AXA EQUITABLE LIFE INSURANCE COMPANY ("AXA EQUITABLE")

                            ENDORSEMENT APPLICABLE TO
                    CREDITS APPLIED TO ANNUITY ACCOUNT VALUE

The term "Contract" as used in this endorsement applies to either a Contract or
Certificate. This endorsement is part of your Contract, and the same definitions
apply to the capitalized terms. There are new definitions in this endorsement
that are introduced below. The benefit described in this endorsement is subject
to all the terms contained in your Contract, except as modified below. In this
endorsement, "we", "our" and "us" mean AXA Equitable Life Insurance Company and
"you" and "your" mean the Owner.

When issued with this Endorsement, this Contract provides for an amount,
referred to as a "Credit," to be allocated to your Annuity Account Value on the
Transaction Date of each Contribution.

CREDITS

Each Credit is a percentage of the Contribution to which it relates. Each Credit
is allocated pro rata to the Investment Options in the same proportions as the
Contribution to which it relates. If you exercise your right to cancel this
Contract under the ["Ten Days to Cancel"] provision (described on the cover
page) the amount payable will be reduced by the amount of the Credit. [However,
the amount payable will reflect any investment gain or loss applicable to the
Credit.]

The applicable Credit Percentage is based on total Contributions during the
first Contract Year [less any withdrawals during the first Contract Year],
determined from the following table:

     FIRST YEAR TOTAL CONTRIBUTION RECEIVED           CREDIT PERCENTAGE APPLIED
                                                      TO ALL CONTRIBUTIONS

           [Less than $350,000]                             [4%]
           [$350,000 and greater]                           [5%]

CONDITIONS RELATING TO CREDITS

          1.   The amount applied to an Annuity Benefit will be reduced by any
               Credits applicable to subsequent Contributions made during the
               [three years] immediately preceding the Transaction Date amounts
               are applied to an Annuity Benefit.

          2.   The Transaction Date on which amounts are applied to an Annuity
               Benefit may not be earlier than the [fifth Contract Date
               Anniversary.]

          3.   A Credit will apply to a subsequent Contribution only to the
               extent that the sum of that Contribution and prior Contributions
               to which no Credit was applied exceeds the sum of all withdrawals
               under your Contract.

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          4.   If a Death Benefit is payable as described in Section 6.02 of the
               Contract and any applicable Endorsement or Rider, during the
               [twelve month] period following our receipt of a Contribution to
               which a Credit was applied, such Credit will be deducted on a pro
               rata basis from the Annuity Account Value in the Variable
               Investment Options and the Guaranteed Interest Option. This
               deduction will occur on the Payment Transaction Date. If there is
               more than one Beneficiary under the Contract, the date of receipt
               of due proof and other beneficiary requirements first received by
               us from a Beneficiary is the date we use to determine the
               deduction of such Credit. For the purpose of any Death Benefit
               provision of your Contract that compares the Annuity Account
               Value with any other applicable Death Benefit, including any
               optional rider(s), the Annuity Account Value used in the
               comparison will reflect a reduction equal to the amount of such
               Credit. Credits are deducted from the Annuity Account Value
               before any such comparison is made.

          5.   Any amount transferred from a Prior Contract in which a Credit
               was previously applied, is not eligible for an additional Credit
               on the amount transferred to this Contract.

If an Expected First Year Contribution Amount is indicated in the Data Pages:

        If an Expected First Year Contribution Amount is indicated in the Data
        Pages, the amount indicated will be used initially to determine your
        Credit Percentage from the above table. If an additional Contribution
        received during the First Contract Year brings your First Year Total
        Contributions to a level that qualifies you for a higher Credit
        Percentage, the higher Credit Percentage will be applied to all
        Contributions, and an adjustment for prior Credits will be made on the
        Transaction Date of such additional Contribution. The amount of such
        adjustment will be equal to the difference in the Credit Percentages
        multiplied by the total Contributions to which the lower rate had been
        applied. This amount will be allocated among the Investment Options in
        the same proportion as such additional Contributions. On the first
        Contract Anniversary Date, we will compare your Expected First Year
        Contribution Amount indicated in the Data Pages to the actual amount you
        contributed in the first Contract Year. If the credit percentage
        applicable to the First Year Total Contributions is less than the credit
        percentage applied based on the Expected First Year Contribution Amount
        indicated in the Data Pages, we will recover an amount equal to the
        difference in the Credit Percentages multiplied by the total
        Contributions to which the higher rate had been applied.

If an Expected First Year Contribution Amount is not indicated in
the Data Pages:

         If an Expected First Year Contribution Amount is not indicated in the
         Data Pages, the amount of the initial Contribution will be used
         initially to determine your Credit Percentage from the above table. If
         an additional Contribution received during the First Contract Year
         brings your First Year Total Contributions to a level that qualifies
         you for a higher Credit Percentage, the higher Credit Percentage will
         be applied to all Contributions, and an adjustment for prior Credits
         will be made on the Transaction Date


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          of such additional Contribution. The amount of such adjustment will be
          equal to the difference in the Credit Percentages multiplied by the
          total Contributions to which the lower rate had been applied. This
          amount will be allocated among the Investment Options in the same
          proportion as such additional Contribution.

The Credit Percentage applied to each Contribution after the first Contract Year
will be the Credit Percentage in effect on the first Contract Date Anniversary.

For purposes of this Endorsement, a "subsequent Contribution" is any
Contribution after the initial Contribution.


AXA EQUITABLE LIFE INSURANCE COMPANY

[                                       [

/s/ Christopher M. Condron              /s/ Karen Field Hazin
--------------------------              ---------------------
Christopher M. Condron                  Karen Field Hazin, Vice President,
Chairman and Chief Executive Officer]   Secretary and Associate General Counsel]


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