AXA EQUITABLE LIFE INSURANCE COMPANY ("AXA EQUITABLE")

                            ENDORSEMENT APPLICABLE TO
                    CREDITS APPLIED TO ANNUITY ACCOUNT VALUE

When issued with this Endorsement, this [Certificate/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
[Certificate/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        CREDIT PERCENTAGE APPLIED TO ALL
           RECEIVED                             CONTRIBUTIONS

           [Less than $500,000]                 [4%]
           [$500,000 to $999,999.99]            [4.5%]
           [$1 million 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 Annuity Commencement Date.

     2.   The Annuity Commencement Date 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 all prior Contributions exceeds
          the sum of all withdrawals under your [Certificate/Contract].

     4.   If the Annuitant dies 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 Investment Funds and the Guaranteed Interest Account. IF THE FIXED
          MATURITY OPTIONS ARE AVAILABLE, THE FOLLOWING LANGUAGE WILL APPEAR [If
          there is insufficient value or no value in the Investment

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          Funds and the Guaranteed Interest Account, any additional amount
          required or the total amount of the charge, as applicable, will be
          withdrawn from the FMOs, if available, in order of the earliest
          Expiration Date(s) first. IF GPB 2 IS ELECTED, THE FOLLOWING SENTENCE
          WILL APPEAR [If there is insufficient value or no value in the FMOs
          other than the Special Ten Year FMO, any remaining portion of the
          charge or the total amount of the charge, as applicable, will be
          withdrawn from the Special Ten Year FMO.] This deduction will occur on
          the date we receive due proof of death and other beneficiary
          requirements at the Processing Office. If there is more than one
          Beneficiary under the [Contract/Certificate], 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
          [Certificate/Contract] that, upon death of the Annuitant, compares the
          Annuity Account Value with any other applicable Death Benefit, 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.

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 Contribution. 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.

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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 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 Anniversary Date.

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

AXA EQUITABLE LIFE INSURANCE COMPANY, A STOCK 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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