ENDORSEMENT

Effective immediately, Equitable amends your Contract. For purposes of this
Endorsement, reference to Contract will also include "Certificate" and reference
to Guaranteed Interest Option will also include Guaranteed Interest Division.

This Endorsement modifies your Contract with respect to the yearly Guaranteed
Interest Rate that will be credited to the amount that you have in the
Guaranteed Interest Option. The yearly Guaranteed Interest Rate will not be less
than 1.50%.

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,
                                         Secretary and Associate General Counsel


2003GIARATE