GUARANTEED WITHDRAWAL BENEFIT ("GWB") RIDER
                [ALSO KNOWN AS "GUARANTEED PRINCIPAL PROTECTOR"]

The term "Contract" as used in this rider applies to either a Contract or
Certificate. This rider is part of your Contract, and the same definitions apply
to the capitalized terms. New definitions particular to this rider are
introduced below. The benefit described in this rider is subject to all the
terms contained in your Contract, except as modified below. In this rider, "we",
"our" and "us" mean The Equitable Life Assurance Society of the United States
and "you" and "your" mean the Owner.


THIS RIDER'S BENEFIT

This rider is effective immediately and provides a Guaranteed Withdrawal Benefit
(GWB) under your Contract.

GWB provides for recovery of your GWB Benefit Base through Withdrawals, provided
that during each Contract Year, total Withdrawals do not exceed the GWB Annual
Withdrawal Amount as described below. In the event that your Annuity Account
Value (AAV) falls to zero, this Contract will terminate in accordance with its
terms, except as provided below, and an amount equal to the GWB Annual
Withdrawal Amount will be paid to you as an annual annuity benefit, as described
below, until your GWB Benefit Base is reduced to zero.

The charge for this rider is shown in the Data Pages.

GWB RIDER DEFINITIONS

         GWB BENEFIT BASE: On the Contract Date, your GWB Benefit Base is equal
         to your initial Contribution. Your GWB Benefit Base is increased on the
         Transaction Date by the dollar amount of each subsequent Contribution
         and reduced on the Transaction Date by the dollar amount of each
         Withdrawal. The GWB Benefit Base may be further reduced if a GWB Excess
         Withdrawal (as defined below) is taken. Your GWB Benefit Base may also
         be stepped up as described below. FOR ACCUMULATOR PLUS ONLY: [Credits
         applied under the Endorsement Applicable to Credits Applied to Annuity
         Account Value are not included in your GWB Benefit Base.]

         GWB ANNUAL WITHDRAWAL AMOUNT: The GWB Annual Withdrawal Amount is the
         Applicable Percentage (as defined below) of the initial GWB Benefit
         Base. GWB Annual Withdrawal Amounts are not cumulative; if you withdraw
         less than the GWB Annual Withdrawal Amount in one Contract Year, you
         may not add the remainder to subsequent GWB Annual Withdrawal Amounts.
         If in any one Contract Year you withdraw more than the GWB Annual
         Withdrawal Amount applicable to that year, you will cause a GWB Excess
         Withdrawal. The GWB Annual Withdrawal Amount may increase as the result
         of the Automatic Reset of the Applicable Percentage, a subsequent
         Contribution or optional step up of the GWB Benefit Base and decrease
         as the result of a GWB Excess Withdrawal, as described below.

         APPLICABLE PERCENTAGE: On the Contract Date your Applicable Percentage
         is [5%]. This percentage determines your GWB Annual Withdrawal Amount.


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              Automatic Reset: If you take no Withdrawals in the first five
              Contract Years, your Applicable Percentage will be reset
              automatically on the fifth Contract Date Anniversary to [7%] and
              your GWB Annual Withdrawal Amount will be reset accordingly. There
              is no charge for this automatic reset of the GWB Annual Withdrawal
              Amount.

         GWB EXCESS WITHDRAWAL: A GWB Excess Withdrawal is caused when you
         withdraw more than the GWB Annual Withdrawal Amount applicable in a
         Contract Year. Once a Withdrawal is made that causes cumulative
         Withdrawals in a Contract Year to exceed the applicable GWB Annual
         Withdrawal Amount, the entire amount of that Withdrawal and of each
         subsequent Withdrawal in that Contract Year is a GWB Excess Withdrawal.
         A GWB Excess Withdrawal may cause a reduction of the GWB Annual
         Withdrawal Amount and a further reduction to your GWB Benefit Base.

             FOR QUALIFIED CONTRACTS ONLY: [Effect of Withdrawals under our
             [Automatic Required Minimum Distribution Withdrawal Program] for
             Required Minimum Distributions (RMDs): Subject to the condition in
             the last sentence of this paragraph, and provided no other
             Withdrawals are taken and you participate in our [Automatic
             Required Minimum Distribution Withdrawal Program] for RMDs, an
             automatic Withdrawal under that program will not cause a GWB Excess
             Withdrawal, even if it exceeds the GWB Annual Withdrawal Amount. If
             you take any other Withdrawal while you participate in the program,
             the GWB Excess Withdrawal exception described in the prior sentence
             terminates permanently. In order for the GWB Excess Withdrawal
             exception described above to apply, you must elect and maintain
             participation in our [Automatic RMD Withdrawal Program] at your
             Required Beginning Date, or the Contract Date, if your Required
             Beginning Date has occurred before the Contract was issued.]

EFFECT OF SUBSEQUENT CONTRIBUTIONS ON GWB ANNUAL WITHDRAWAL AMOUNT

As of the Transaction Date of each Contribution, we recalculate your GWB Annual
Withdrawal Amount to equal the greater of: (i) the Applicable Percentage of the
new GWB Benefit Base, or (ii) the GWB Annual Withdrawal Amount immediately prior
to the Contribution. A subsequent Contribution will never cause a reduction of
the GWB Annual Withdrawal Amount.

OPTIONAL STEP UP PROVISION

Except as provided below, any time after the fifth Contract Date Anniversary,
you have the option to step up the GWB Benefit Base to equal the AAV on the
Transaction Date we receive your written step up request. We will not step up
the GWB Benefit Base if it is higher than the AAV on the Transaction Date of the
step up request. If you choose to step up the GWB Benefit Base, your charge may
be increased as described in "The Cost Of This Rider" below. Once you elect to
step up the GWB Benefit Base, you may not do so again for five complete Contract
Years from the next Contract Date Anniversary.

Your GWB Annual Withdrawal Amount may increase if your GWB Benefit Base is
stepped up. On the Transaction Date of a GWB Benefit Base step up, your GWB
Annual Withdrawal Amount will be set equal to the greater of (i) your GWB Annual
Withdrawal Amount before the step up, and (ii) the Applicable Percentage of your
stepped up GWB Benefit Base.




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EFFECT OF GWB EXCESS WITHDRAWALS

If you make a GWB Excess Withdrawal, then the GWB Benefit Base and the GWB
Annual Withdrawal Amount will be adjusted as described below. Withdrawal
Charges, if applicable, are applied only to the amount of the Withdrawal
exceeding the GWB Annual Withdrawal Amount.

On the Transaction Date of any Withdrawal, the GWB Benefit Base is first reduced
by the dollar amount of the Withdrawal (including any applicable Withdrawal
Charge). The GWB Benefit Base following the reduction and the GWB Annual
Withdrawal Amount are then recalculated as follows:

If the AAV after the deduction of the withdrawal is less than the GWB Benefit
Base, then:

1)   The GWB Benefit Base is reset equal to the AAV, and
2)   The GWB Annual Withdrawal Amount is the Applicable Percentage of the GWB
     Benefit Base.

If the AAV after the deduction of the withdrawal is greater than or equal to the
GWB Benefit Base, then:

1)   The GWB Benefit Base is not adjusted further, and
2)   The GWB Annual Withdrawal Amount is the lesser of a) the Applicable
     Percentage of the GWB Benefit Base and b) the GWB Annual Withdrawal Amount
     immediately before the withdrawal.

GWB ANNUAL WITHDRAWAL AMOUNT AND THE FREE CORRIDOR AMOUNT

We will waive any Withdrawal Charge for Withdrawals during a Contract Year that
in total do not exceed the GWB Annual Withdrawal Amount, even if such
withdrawals exceed the Free Corridor Amount.

EFFECT OF DEATH AND THE GWB RIDER

Except as provided below, any Death Benefit under this Contract will be
determined, including the applicable adjustment for Withdrawals, without regard
to this Rider. The Beneficiary will receive the amount of such Death Benefit and
not the GWB Benefit Base.

If the Contract is continued by a Successor Owner and Annuitant ("SOA") as
described in the Contract, this rider and the charge for it remain in effect.
The GWB Benefit Base, the GWB Annual Withdrawal Amount (including its automatic
reset if there have been no Withdrawals during the first five Contract Years),
and the number of Contract Years that must elapse before eligibility for an
optional step up are not affected by the death of the first Owner. If the GWB
Benefit Base was zero due to recovery of the GWB Benefit Base by the first
Owner, the provisions of the Contract that permit the GWB Benefit Base to be
increased through an optional step up or subsequent Contribution continue in
effect.

IF SPOUSAL PROTECTION IS ELECTED BY JOINT OWNERS: [Upon the death of the first
of the Joint Owners to die before the Annuity Commencement Date and while the
Spousal Protection Rider is in effect, this GWB Rider and the charge for it
remain in effect.


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The GWB Benefit Base, the GWB Annual Withdrawal Amount (including its automatic
reset if there have been no withdrawals during the first five Contract Years),
and the number of Contract Years that must elapse before eligibility for an
optional step up are not affected by the death of the first Owner. If the GWB
Benefit Base was zero due to recovery of the GWB Benefit Base by the Joint
Owners, the provisions of the Contract that permit the GWB Benefit Base to be
increased through a step up or subsequent Contribution continue in effect.]

APPLICABLE TO NQ CONTRACTS WHEN THE OWNER AND ANNUITANT ARE DIFFERENT AND THE
OWNER DIES WHILE THE ANNUITANT IS ALIVE: [If the Non-Annuitant Owner dies while
this benefit is in effect and the Successor Owner is not the spouse of the
deceased Owner, the Successor Owner is subject to the Owner Death Distribution
Rules under the Contract which require that the entire Cash Value must be fully
paid within five years after the death of the original Owner. The Successor
Owner may elect to discontinue this benefit upon (i) written notice to us
requesting such discontinuance, and (ii) the receipt by us of due proof of death
as described in the Contract.
Upon discontinuance, the charge for the GWB Rider ends.]

SURRENDERING THE CONTRACT

If you make a Withdrawal that is a GWB Excess Withdrawal and such Withdrawal
causes the Contract to be surrendered, you will receive the Cash Value, not the
GWB Benefit Base and the Contract is terminated.

If you make a Withdrawal when the GWB Benefit Base is greater than zero and the
Withdrawal is not a GWB Excess Withdrawal, the Contract will not be considered
to have been surrendered even if the remaining AAV is less than the Minimum
Amount required under the Contract.

GWB ANNUITY PROVISION

If, on the Transaction Date of the transaction that causes your AAV to equal
zero (either by a Withdrawal that is not a GWB Excess Withdrawal or a deduction
for charges), your GWB Benefit Base is greater than zero but less than or equal
to the unwithdrawn portion, if any, of your GWB Annual Withdrawal Amount for
that Contract Year, we will pay your GWB Benefit Base as a single sum and no
additional payments will be made. If on such Transaction Date your GWB Benefit
Base is greater than the unwithdrawn portion, if any, of your GWB Annual
Withdrawal Amount for that Contract Year, we will pay you that unwithdrawn
amount on such Transaction Date (the "current year payment"), and we will pay
you the GWB Benefit Base, after reduction for the current year payment, as an
annuity benefit. The annuity benefit makes payments equal to your GWB Annual
Withdrawal Amount on each Contract Date Anniversary beginning on the Contract
Date Anniversary following the current year payment, until the cumulative amount
of such payments equals the GWB Benefit Base that remained after the current
year payment. The last installment payment may be smaller than the previous
installment payment in order for the total of such payments to equal the GWB
Benefit Base. GWB annuity benefit payments will be made under a supplementary
contract in annual installment payments on the Contract Date Anniversary of this
Contract.

If you die before the installments are complete, the remaining payments will be
paid to the Beneficiary. The Beneficiary of record under this Contract will be
carried to the supplementary contract.


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COST OF THIS RIDER

The charge for this benefit is shown in the Data Pages. [SEE DATA PAGE
SUBMISSION]

We reserve the right to increase this charge at any time you elect to exercise
the optional step up provision as described above, however, the charge will
never be greater than the maximum amount shown in the Data Pages.

         SUSPENSION OF CHARGE: Once your GWB Benefit Base is depleted the charge
         for this benefit is suspended. The charge is suspended on the next
         Contract Date Anniversary.

         REINSTATEMENT OF CHARGE: This charge will be reinstated if (i) you
         elect to exercise the optional step up provision in the future, at the
         then current charge applicable upon exercise of the optional step up
         provision as described above, or (ii) you make a subsequent
         Contribution. If you make a subsequent Contribution, we will reinstate
         the charge in effect when your GWB Benefit Base was depleted.

TERMINATION OF THIS RIDER

Upon the occurrence of any of the following, this rider and any charge
associated with it will terminate: (i) you surrender the Contract or it
terminates for any other reason, (ii) the Contract is continued under the
Beneficiary Continuation Option, if applicable, (iii) you elect an annuity
benefit.


THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES

/s/ Christopher M. Condron                       /s/ Pauline Sherman
Christopher M. Condron                              Pauline Sherman
Chairman and Chief Executive Officer             Senior Vice President,
General Counsel                                 Secretary and Associate


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