AGREEMENT FOR SERVICES BY THE EQUITABLE LIFE ASSURANCE SOCIETY
OF THE UNITED STATES TO AXA NETWORK, LLC AND ITS SUBSIDIARIES

Agreement made as of the 1st day of January, 2000 between THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES, a New York stock life insurance company ("Equitable Life"); AXA NETWORK, LLC, a Delaware limited liability company; and AXA Network, LLC's direct or indirect subsidiaries (AXA Network, LLC and such subsidiaries hereinafter referred to as "AXA Network").

WHEREAS, both Equitable Life and AXA Network are indirect wholly-owned subsidiaries of AXA Financial, Inc.;

WHEREAS, AXA Network desires to utilize Equitable Life personnel, property and services in carrying out its management, administrative and other functions and Equitable Life is willing to furnish the same on the terms and conditions hereinafter set forth;

WHEREAS, Equitable Life desires to be reimbursed for its costs and expenses incurred in rendering such services to AXA Network; and

WHEREAS, both Equitable Life and AXA Network desire to enter into an agreement that supersedes the Services Agreement dated January 1, 1987 between Equitable Life and Traditional Equinet Business Corporation of New York and its subsidiaries (predecessor to AXA Network);

NOW, THEREFORE, the parties do hereby agree as follows:

1. Equitable Life from time to time may provide, as available, to AXA Network the personnel, property and services reasonably necessary to perform its management, administrative and other functions. The services to be furnished may include, without limitation, management, corporate finance, strategic planning, administration, office and general supplies, financial and cash management, printing, accounting, tax, auditing, legal, human resources, corporate and financial communications, marketing, risk management, communications, technology, data processing and corporate secretarial services. The Equitable Life services shall not include any services provided to AXA Network by Equitable Life pursuant to separate agreements.

2. AXA Network shall pay the actual costs (direct and indirect) and expenses incurred by Equitable Life in furnishing personnel, property and services pursuant to this Agreement. In determining the basis for the apportionment of costs and expenses, specific identification or estimates based on time, company assets, square footage or any other mutually agreeable method providing for a fair and reasonable allocation of costs and expenses may be used provided such method is in conformity with generally accepted accounting principles and with the requirements of Section 1505(a) of the New York Insurance Law and New York Insurance Department Regulation No. 33. The charge to AXA Network for such apportioned expenses shall be at cost as described in this
Section 2.

3. Within 45 days after the end of each calendar quarter, and more often if desired, Equitable Life shall submit to AXA Network a statement of apportioned expenses showing the basis for the apportionment of each item. Settlement, which shall be on a cost basis, shall be made 45 days thereafter. The statement of apportioned expenses shall set forth in reasonable detail the nature of the costs and expenses being apportioned and other relevant information to support the charges.

4. (a) The total amount of each such statement shall be allocated among the AXA Network entities executing this Agreement in the same proportion that the volume of business of each one of the AXA Network entities bears to the total volume of business of all the AXA Network entities for the period of time to which the statement relates, provided that, if, in the judgment of the management of the AXA Network entities, a specific charge or expense is attributable to one or more of the AXA Network entities, such charge or expense shall be allocated to such one of the AXA Network entities which in management's judgment incurred such charge or expense.

(b) After the total amount of each statement has been allocated as provided in (a) above, each one of the AXA Network entities shall forward the amount of the statement allocated to it directly to Equitable Life or, if the management of AXA Network so determines, the AXA Network entity shall forward such amounts directly to AXA Network, LLC, which shall promptly forward the total amount of the statement directly to Equitable Life on behalf of AXA Network.

5. Each of Equitable Life and AXA Network shall have the right to conduct an audit of the other's books, records and accounts, giving reasonable notice of its intent to conduct such an audit. In the event of such an audit, each shall give to the other reasonable cooperation and access to all books, records and accounts necessary to the audit.

6. Each of Equitable Life and AXA Network shall be and remain sole owner of its records, including but not limited to business and corporate records, regardless of the use or possession by either of the other's records. Equitable Life and AXA Network shall each individually maintain separate books, accounts and records in respect to personnel, property and services provided under this Agreement and shall cooperate and use reasonable efforts to prepare and/or obtain in a timely fashion any and all books, accounts, records or other documentation as may be necessary or desirable in connection with this Agreement and/or the personnel, property or services provided hereunder.

7. The books, accounts and records of Equitable Life and AXA Network as to all transactions between them under this Agreement shall be maintained so as to clearly and accurately disclose the nature and details of the transactions, including such accounting information as is necessary to support the reasonableness of the charges under this Agreement.

8. Should an irreconcilable difference of opinion between Equitable Life and AXA Network arise as to the interpretation of any matter respecting this Agreement, it is hereby mutually agreed that such differences shall be submitted to arbitration as the sole remedy available to the parties. Such arbitration shall be in accordance with the rules of the American Arbitration Association, the arbitrators shall have extensive experience in the insurance industry, and the arbitration shall take place in New York, New York.

9. The term of this Agreement shall commence as of the effective date of this Agreement and continue until terminated by either Equitable Life or AXA Network on not less than 60 days prior written notice to the other or by an agreement in writing signed by all parties specifying the effective date of termination.

10. This Agreement shall be governed by and interpreted in accordance with the laws of the State of New York.

11. The requirements of Equitable Life shall take precedence over the requirements of AXA Network under this Agreement, and Equitable Life shall furnish personnel, property and services to AXA Network only when Equitable Life has available capacity to do so.

12. No assignment of this Agreement shall be made by either Equitable Life or AXA Network without the prior written consent of the other.

13. Subject to Section 12 above, this Agreement shall inure to the benefit of and be binding upon the successors and assigns of the parties hereto.

THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES

By:              /s/ Stanley B. Tulin
   -----------------------------------------------------------
       Name:     Stanley B. Tulin
       Title:    Vice Chairman and Chief Financial
                        Officer

AXA NETWORK, LLC
AXA NETWORK OF ALABAMA, LLC

AXA NETWORK OF CONNECTICUT, MAINE AND NEW YORK, LLC AXA NETWORK INSURANCE AGENCY OF MASSACHUSETTS, LLC EQUISOURCE OF NEVADA, INC. (to be renamed AXA Network Of Nevada, Inc.)
EQUISOURCE OF PUERTO RICO, INC. (to be renamed AXA Network Of Puerto Rico, Inc.)
EQUISOURCE OF NEW YORK, INC. as agent for EQUISOURCE

INSURANCE AGENCY OF TEXAS, INC. (to be renamed AXA
Network Insurance Agency of Texas, Inc.)

By:              /s/ Debra A. Brogan
   -----------------------------------------------------------
       Name:     Debra A. Brogan
       Title:    President

TRANSITION AGREEMENT FOR SERVICES BY AXA NETWORK, LLC AND ITS
SUBSIDIARIES TO THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES

Agreement made as of the 1st day of January, 2000 between THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES, a New York stock life insurance company ("Equitable Life"); AXA NETWORK, LLC, a Delaware limited liability company; and AXA Network, LLC's direct or indirect subsidiaries (AXA Network, LLC and such subsidiaries hereinafter referred to as "AXA Network").

WHEREAS, both Equitable Life and AXA Network are indirect wholly-owned subsidiaries of AXA Financial, Inc.;

WHEREAS, pending the conversion of Equitable Life's agency structure from a branch office to a general agency system and the completion of licensing of AXA Network as a general agency in a particular jurisdiction and subject to applicable law, Equitable Life desires to utilize AXA Network personnel, property and services in carrying on and developing its business and supporting its agents, and AXA Network is willing to furnish the same on the terms and conditions hereinafter set forth; and

WHEREAS, AXA Network desires to be reimbursed for its costs and expenses incurred in rendering such services to Equitable Life;

NOW, THEREFORE, the parties do hereby agree as follows:

1. AXA Network may provide to Equitable Life various personnel, property and services in order to assist Equitable Life in carrying on and developing its business and supporting its agents. The services to be furnished may include, without limitation, support for solicitation and servicing of insurance products, management, human resources, administrative, marketing, communications, technology, and data processing. AXA Network services shall not include any services provided to Equitable Life by AXA Network pursuant to separate agreements.

2. Equitable Life shall pay the actual costs (direct and indirect) and expenses incurred by AXA Network in furnishing personnel, property and services pursuant to this Agreement. In determining the basis for the apportionment of costs and expenses, specific identification or estimates based on time, company assets, square footage or any other mutually agreeable method providing for a fair and reasonable allocation of costs and expenses may be used provided such method is in conformity with generally accepted accounting principles and with the requirements of Section 1505(a) of the New York Insurance Law and New York Insurance Department Regulation No. 33. The charge to Equitable Life for such apportioned expenses shall be at cost as described in this Section 2.

3. Within 45 days after the end of each calendar quarter, and more often if desired, AXA Network shall submit to Equitable Life a statement of apportioned expenses showing the basis for the apportionment of each item. Settlement, which shall be on a cost basis, shall be made 45 days thereafter. The statement of apportioned expenses shall set forth in reasonable detail the nature of the costs and expenses being apportioned and other relevant information to support the charges.

4. Each of Equitable Life and AXA Network shall have the right to conduct an audit of the other's books, records and accounts, giving reasonable notice of its intent to conduct such an audit. In the event of such an audit, each shall give to the other reasonable cooperation and access to all books, records and accounts necessary to the audit.

5. Each of Equitable Life and AXA Network shall be and remain sole owner of its records, including but not limited to business and corporate records, regardless of the use or possession by either of the other's records. Equitable Life and AXA Network shall each individually maintain separate books, accounts and records in respect to personnel, property and services provided under this Agreement and shall cooperate and use reasonable efforts to prepare and/or obtain in a timely fashion any and all books, accounts, records or other documentation as may be necessary or desirable in connection with this Agreement and/or the personnel, property or services provided hereunder.

6. The books, accounts and records of Equitable Life and AXA Network as to all transactions between them under this Agreement shall be maintained so as to clearly and accurately disclose the nature and details of the transactions, including such accounting information as is necessary to support the reasonableness of the charges under this Agreement.

7. Should an irreconcilable difference of opinion between Equitable Life and AXA Network arise as to the interpretation of any matter respecting this Agreement, it is hereby mutually agreed that such differences shall be submitted to arbitration as the sole remedy available to the parties. Such arbitration shall be in accordance with the rules of the American Arbitration Association, the arbitrators shall have extensive experience in the insurance industry, and the arbitration shall take place in New York, New York.

8. The term of this Agreement shall commence as of the effective date of this Agreement and continue until terminated by either Equitable Life or AXA Network on not less than 60 days prior written notice to the other or by an agreement in writing signed by all parties specifying the effective date of termination.

9. This Agreement shall be governed by and interpreted in accordance with the laws of the State of New York.

10. No assignment of this Agreement shall be made by either Equitable Life or AXA Network without the prior written consent of the other.

11. Subject to Section 10 above, this Agreement shall inure to the benefit of and be binding upon the successors and assigns of the parties hereto.

THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE
UNITED STATES

By:         /s/ Stanley B. Tulin
   -----------------------------------------------
   Name:    Stanley B. Tulin
   Title:   Vice Chairman and Chief Financial
               Officer

AXA NETWORK, LLC
AXA NETWORK OF ALABAMA, LLC
AXA NETWORK OF CONNECTICUT, MAINE AND NEW YORK, LLC
AXA NETWORK INSURANCE AGENCY OF
MASSACHUSETTS, LLC
EQUISOURCE OF NEVADA, INC. (to be renamed AXA Network
Of Nevada, Inc.)
EQUISOURCE OF PUERTO RICO, INC. (to be renamed
AXA Network Of Puerto Rico, Inc.)
EQUISOURCE OF NEW YORK, INC. as agent for
EQUISOURCE INSURANCE AGENCY OF TEXAS, INC.
(to be renamed AXA Network Insurance
Agency of Texas, Inc.)

By:         /s/ Debra A. Brogan
   -----------------------------------------------
   Name:    Debra A. Brogan
   Title:   President

"ROTH IRA ENDORSEMENT"
ENDORSEMENT APPLICABLE TO ROTH IRA CONTRACTS

When issued with this Endorsement, this Contract is a "Roth IRA Contract" which is issued as an individual retirement annuity contract which meets the requirements of Sections 408A and 408(b) of the Code. It is established for the exclusive benefit of you and your beneficiaries, and the terms below change, or are added to, the applicable provisions of this Contract. Also, your entire interest under the Contract is not forfeitable.

The following apply in addition to or in lieu of corresponding definitions in the Contract.

1. ANNUITY COMMENCEMENT DATE (SECTION 1.04):

You may not choose an Annuity Commencement Date later than our maximum maturity age currently age 90, and any period certain you select must conform to IRS life expectancy tables in Treas. Reg. Section 1.72-9.

2. OWNER (SECTION 1.15):

You must be both the Annuitant and the Owner.

3. CONTRIBUTIONS (SECTION 3.01 AND 3.02)

No Contributions will be accepted unless they are in United States cash (including checks). We reserve the right to accept electronic cash, which meets our specifications.

We indicate in the Data Pages and in this Item 3 any limits on the type, source or amount of Contributions we will accept. Except as otherwise indicated in this Item 3 or the Data Pages, we will accept the following types of Contributions, discussed below, to this Roth IRA Contract: (i) "regular" Roth IRA contributions; (ii) rollover Contributions from another Roth IRA; (iii) conversion rollover contributions from a traditional IRA ("non-Roth IRA"); or (iv) direct custodian-to-custodian transfers from another Roth IRA.

Regular Roth IRA Contributions. We will not accept regular Roth IRA Contributions which exceed $2,000 for any taxable year. "Regular" Roth IRA Contributions are those that are limited to the lesser of your compensation (defined for this purpose below) or $2,000 for any taxable year, and for which no income tax deduction is allowable. This $2,000 limit does not apply to rollover or direct transfer Contributions discussed below which meet the requirements of Section 408A of the Code.

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Regular Roth IRA Contribution Limits for Contributions to other IRAs. This $2,000 limit applies to all of your regular contributions to all of your Roth IRAs for a taxable year. Also, if you make regular contributions to both Roth IRAs and non-Roth IRAs for a taxable year, the maximum regular contribution that can be made to all of your Roth IRAs for that taxable year is reduced by the total of all regular contributions made to your non-Roth IRAs for the taxable year. Pursuant to our procedures then in effect, you may recharactererize a regular contribution to a non-Roth IRA as a regular contribution to this Roth IRA Contract within the limits discussed in this Item 3.

Regular Roth IRA Contribution Limits Based on Modified Adjusted Gross Income. Your Regular Contributions to Roth IRAs may be further reduced by these modified Adjusted Gross Income (modified "AGI") limits. You cannot make Contributions to a Roth IRA for a taxable year if your Federal income tax return filing status for that year is "married, filing jointly" and your adjusted gross income AGI for that year is $160,000 or more. If your AGI is between $150,000 and $160,000, the maximum $2,000 Contribution is ratably phased out. You cannot make Contributions to a Roth IRA for a taxable year if your Federal income tax return filing status for that year is "single" and your AGI for that year is $110,000 or more. If your AGI is between $95,000 and $110,000 the maximum $2,000 Contribution is ratably phased out. You cannot make Contributions to a Roth IRA for a taxable year if your Federal income tax return filing status for that year is "married, filing separately" and your AGI for that year is $10,000 or more. If your Federal income tax return filing status for a taxable year is "married, filing separately", the maximum $2,000 Contribution is ratably phased out between AGI of $0 and $10,000. For purposes of this paragraph, modified AGI excludes any gross income attributable to the rollover of a non-Roth IRA to a Roth IRA. Also, if your modified AGI for a taxable year is in the phase-out range, the maximum regular Roth IRA contribution for that taxable year is rounded up to the next multiple of $10 and is not reduced below $200.

Definition of Compensation for Purposes of Regular Roth IRA Contributions. Compensation is defined as wages, salaries, professional fees, or other amounts derived from or received for personal services actually rendered (including, but not limited to, commissions paid salesmen, compensation for services on the basis of a percentage of profits, commissions on insurance premiums, tips and bonuses) and includes earned income, as defined in
Section 401(c)(2) of the Code (reduced by the deduction the self-employed individual takes for contributions made to a self-employed retirement plan). For purposes of this definition, Section 401(c)(2) of the Code is applied as if the term trade or business for purposes of Section 1402 included service described in subsection (c)(6). Compensation does not include amounts derived from or received as earnings or profits from property (including but not limited to interest and dividends) or amounts not includible in gross income. Compensation also does not include any amount received as a pension or annuity or as deferred compensation. The term "compensation" includes any amount includible in gross income under
Section 71 of the Code with respect to a divorce or separation instrument described in subparagraph (A) of Section 71(b)(2). If you are married and file a joint Federal income tax return with your spouse, and if your spouse has greater compensation than you do, you may treat your spouse's compensation as your own compensation, but only to the extent that your

No. IM-ROTHBCO-I

spouse's compensation is not being used for purposes of the spouse making a contribution to a Roth IRA or a nondeductible contribution to a non-Roth IRA.

Roth IRA to Roth IRA Rollover Contributions. You may make a qualified rollover Contribution as permitted by Sections 408A(e) and 408(d) of the Code from another Roth IRA. The $2,000 maximum Contribution limit does not apply. You may be required to designate the taxable year in which you converted any non-Roth IRA funds into Roth IRA funds.

Direct Transfer Contributions. You may make a Contribution of a direct transfer of funds from another Roth IRA under Section 408A of the Code. There are no limits on the amount transferred. You may be required to designate the taxable year in which you converted any non-Roth IRA funds into Roth IRA funds.

Non-Roth IRA to Roth IRA Rollover Contributions ("Conversion Rollover" Contributions). If you meet the modified adjusted gross income limits specified in Section 408A, you may make a qualified rollover contribution as permitted by Section 408A(c)(3)(B) of the Code and Sections 408A(e) and 408(d)(3) of the Code from another individual retirement plan under Section 408 of the Code which is not a Roth IRA. You cannot make a Conversion Rollover Contribution, if for the year the amount is distributed from a non-Roth IRA you are married and file a separate federal income tax return or have a modified AGI of over $100,000. For purposes of this paragraph, modified AGI excludes gross income attributable to the non-Roth IRA which is converted. There are no limits on the amounts of Conversion Rollover Contributions. You may be required to designate the year to which such a conversion of non-Roth IRA funds into Roth IRA funds applies.

A "rollover Contribution" is one permitted by Section 408A(e) and 408(d)(3) of the Code, except the one-rollover-per-year rule of section 408(d)(3)(B) does not apply if the rollover contribution is from a non-Roth IRA.

No transfer or rollover of funds attributable to contributions made by a particular employer under its SIMPLE IRA Plan will be accepted from a SIMPLE IRA, prior to the expiration of the 2 year period beginning on the date the individual first participated in that employer's SIMPLE IRA Plan.

If we determine that any Contributions would cause this Contract not to qualify under Sections 408A or 408(b) of the Code, we reserve the right to either (i) refuse to accept any such Contributions or (ii) apply such Contributions to a nonqualified deferred annuity contract or certificate for the exclusive benefit of you and your beneficiaries.

4. DEATH BENEFITS (SECTION 6.01)

Under either of the two following circumstances, the death benefit described in this Contract will not be paid at your death before the Annuity Commencement Date, and the coverage under the Contract will continue if:

No. IM-ROTHBCO-I

1. You are married at your death and the person named as death beneficiary is your surviving spouse; and

2. Your surviving spouse elects to become "Successor Owner and Annuitant" of your Contract.

Also, a death benefit will not be paid under this Section 6.01 if the "Beneficiary Continuation Option" under Item 6 of this Endorsement is in effect.

5. BENEFICIARY (SECTION 6.02) THE THIRD PARAGRAPH OF THE CONTRACT IS REPLACED WITH THE FOLLOWING:

Any part of a death benefit payable for which there is no named beneficiary, pursuant to Section 6.02 of the Contract, living at your death will be payable to your surviving spouse, if any; if there is no surviving spouse, then to your children who survive you, in equal shares, if there are no children, then to your estate.

6. BENEFICIARY CONTINUATION OPTION:

This Item 6 will apply only if you die before the Annuity Commencement Date, and the beneficiary named pursuant to Section 6.02 of the Contract is an individual.

If there is more than one beneficiary, and any beneficiary is not an individual, then this Item 6 does not apply, and the death benefit described in Section 6.01 of the Contract is payable.

If this Item 6 applies and there is more than one beneficiary, the Annuity Account Value will be apportioned among your beneficiaries as you designate pursuant to Section 6.02 of the Contract.

If the beneficiary qualifies to continue this Contract, and we receive the beneficiary's election within 60 days of receipt of proof of your death, the beneficiary may continue your Contract pursuant to this Item 6 under the terms set forth in (a) through (h) below. Your Contract may be continued by one or more beneficiaries (collectively, the "Continuation Beneficiary"). If there is more than one beneficiary, the election must be provided to us within 60 days by each beneficiary with respect to that beneficiary's portion of the Annuity Account Value. For any beneficiary who does not so timely elect, we will pay that beneficiary's share of the death benefit under Section 6.01 of the Contract in a lump sum.

a. the Continuation Beneficiary will automatically become the Annuitant as defined in Section 1.01 of the Contract with respect to that Continuation Beneficiary's portion of the Annuity Account Value.

b. the Continuation Beneficiary will have the same right to transfer amounts among the Investment Options as the Annuitant.

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c. the Continuation Beneficiary cannot make any additional Contributions.

d. distributions to the Continuation Beneficiary will be made in accordance with requirements described in Item 7 of this Endorsement (Minimum Distribution Rules-At Death). If there is more than one beneficiary and any Continuation Beneficiary requests payment pursuant to Item 7 of this Endorsement, then all Continuation Beneficiaries must agree to make this payment election. If all Continuation Beneficiaries cannot so agree, then we will instead make a complete distribution of your entire interest no later than December 31st of the calendar year that contains the fifth anniversary of your death. Further, where payment under Item 7, numbered paragraph (1) of this Endorsement is elected by all Continuation Beneficiaries, the Annuity Account Value apportioned to each Continuation Beneficiary is distributed based upon the life expectancy of the oldest of the beneficiaries designated under Section 6.02 of the Contract, even if that individual does not elect to be a Continuation Beneficiary.

e. the Continuation Beneficiary may withdraw the Annuity Account Value apportioned to such Continuation Beneficiary at any time; withdrawals made after we have received a Continuation Beneficiary's election to continue this Contract are not subject to a withdrawal charge.

f. upon the Continuation Beneficiary's death, we will make a lump sum payment (other payment options are not available) to the person designated by the deceased Continuation Beneficiary to receive that deceased Continuation Beneficiary's portion of the Annuity Account Value, if any remains.

g. the Contract cannot be assigned and must continue in your name for benefit of your Continuation Beneficiary.

h. if a minimum income benefit under Section 7.08 of the Contract and/or a minimum death benefit under Section 6.01 of the Contract are in effect upon our receipt of proof of your death, the charges, if any, for such benefit(s) will no longer apply and the minimum income benefit and the minimum death benefit shall no longer be in force.

7. MINIMUM DISTRIBUTION RULES - AT DEATH (SECTIONS 6.01 AND 6.02):

No amount is required to be distributed prior to your death.

At your death distribution of your entire interest will be completed no later than December 31 of the calendar year containing the fifth anniversary of your death, except to the extent that an election is made to receive distributions after your death in accordance with the following alternate form of distribution in (1) or (2) below:

No. IM-ROTHBCO-I

(1) If your interest is payable to a designated beneficiary, then your entire interest may be distributed over the life of, or over a period certain not greater than the life expectancy of, the designated beneficiary. Such distributions must commence on or before December 31 of the calendar year immediately following the calendar year of your death.

(2) If the designated beneficiary is your surviving spouse, the date that distributions are required to begin in accordance with (1) above shall not be earlier than the later of (a) December 31 of the calendar year immediately following the calendar year of your death or (b) December 31 of the calendar year in which you would have attained age 70 1/2.

If the designated beneficiary is your surviving spouse, and a Successor Annuitant and Owner option (described above in this Endorsement under Item 4 Death Benefits) is elected, the distribution of your interest need not be made until after your surviving spouse's death.

Payments required under (1) or (2) above must be made at intervals of no longer than 1 year and must be either non-increasing or increasing only as provided in Q & A F-3 of Section 1.401 (a)(9)-1 of the proposed Treasury Regulations.

For purposes of determining the "period certain" referred to above, life expectancy is computed by use of the expected return multiples in Table V of Treasury Regulation Section 1.72-9. If your surviving spouse is the designated beneficiary and does not elect the Successor Annuitant/Owner feature by the time distributions are required to begin, the surviving spouse's life expectancy will be recalculated annually. Such election will be irrevocable by the surviving spouse and will apply to all subsequent years. In the case of any other designated beneficiary, life expectancies will be calculated using the attained age of such beneficiary during the calendar year in which distributions are required to begin, pursuant to this Section, and payments for any subsequent calendar year will be calculated based on such life expectancy reduced by one for each calendar year which has elapsed since the calendar year life expectancy was first calculated.

8. ANNUITY BENEFITS (PART VII):

This Contract will begin to pay out as an Annuity for your life on the Annuity Commencement Date you select on the application unless you indicate to us another form of payment before such payments commence. If you or your beneficiary designated under Section 6.02 of the Contract selects a period certain form of payment, no period certain can be longer than applicable life expectancy under IRS tables in Treasury Regulations Section 1.72-9.

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9. GENERAL PROVISIONS (PART IX)

TERMINATION OF CONTRACT

If this Contract fails to qualify as a Roth individual retirement annuity under Sections 408A(b) and 408A of the Code, we will have the right to terminate the Contract. We may do so, upon receipt of notice of such fact, before the Annuity Commencement Date. In that case, we have the right to pay the Annuity Account Value less a deduction for the part which applies to any Federal income tax payable by you which would not have been payable with respect to a Roth individual retirement annuity which meets the terms of Sections 408A and 408(b) of the Code. However, we may also, at your request, transfer the Annuity Account Value to a another annuity contract issued by an affiliate, subsidiary or us.

REPORTS AND NOTICES

We will send you a report as of the end of each calendar year showing the status of the Contract and any other reports required by the Code.

ASSIGNMENTS, NONTRANSFERABILITY, NONFORFEITABILITY.

You may not transfer this Contract.

Your rights under this Contract may not be assigned, pledged or transferred except as permitted by law. You may not name a new Owner, except as described in this Endorsement in relation to Death Benefits.

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[GRAPHIC OF WORD "SPECIMEN"]

ENDORSEMENT
APPLICABLE TO IRA CERTIFICATES

As specified in the Data pages, this Certificate is an "IRA Certificate", which is issued as an individual retirement annuity contract that meets the requirements of Section 408(b) of the Code. It is established for the exclusive benefit of you and your beneficiaries, and the terms below change, or are added to, applicable sections of this Certificate. Also, your rights under this Certificate are not forfeitable.

1. OWNER (SECTION 1.17):

You must be both the Owner and the Annuitant.

2. ANNUITY COMMENCEMENT DATE (SECTION 1.04):

You may not choose an Annuity Commencement Date later than the maximum maturity age stated in the Data pages. If you choose a Date later than age 70 1/2, you must withdraw at least the minimum payments required under Sections 408(b) and 401(a)(9) of the Code and applicable Treasury regulations. See Section 5.01 of the Certificate (Withdrawals) and Item
7 (Required Payments) below.

3. CONTRIBUTIONS (SECTION 3.01 AND 3.02):

No Contributions will be accepted unless they are in cash (or check or other form if we require). Except in the case of a "rollover Contribution," the total of such Contributions will not exceed $2,000 for any taxable year. A "rollover Contribution" is one permitted by Sections 402(c), 403(a)(4), 403(b)(8), or 408(d)(3) of the Code.

Amounts transferred to the Certificate from an individual retirement account or annuity contract, which meets the requirements of Section 408 of the Code, are not subject to the $2,000 limit.

If you make a Contribution which is an "eligible retirement plan rollover" as defined in Section 402(c) or 403(b)(8) of the Code, and you commingle such Contribution with other Contributions, you may not be able to roll over the eligible retirement plan Contributions and earnings to another qualified plan or Code Section 403(b) arrangement at a future date, unless the Code permits.

4. DEATH BENEFIT (SECTION 6.01):

Under either of the following two circumstances, the death benefit under Section 6.01 of the Certificate will not be paid at your death before the Annuity Commencement Date and the coverage under the Certificate will continue if (1) you are married at the time of your death and the person named as beneficiary under Section 6.02 of your Certificate is

No. 2000ENIRAI-IM

[GRAPHIC OF WORD "SPECIMEN"]

your surviving spouse; and (2) your surviving spouse elects to become "Successor Annuitant and Owner" of your Certificate.

Also, a death benefit will not be paid under this Section 6.01 if the "Beneficiary Continuation Option" under Item 6 of this Endorsement is in effect.

5. BENEFICIARY (SECTION 6.02). THE THIRD PARAGRAPH OF THE CERTIFICATE IS REPLACED WITH THE FOLLOWING:

Any part of a death benefit payable under Section 6.01, for which there is no named beneficiary living at your death will be payable in a single sum to your surviving spouse, if any; if there is no surviving spouse, then to the children who survive you, in equal shares; if there are no children, then to your estate.

6. BENEFICIARY CONTINUATION OPTION:

This Item 6 will apply only if you die before the Annuity Commencement Date, and the beneficiary named under Section 6.02 of the Certificate is an individual.

If there is more than one beneficiary, and any beneficiary is not an individual, then this Item 6 does not apply, and the death benefit described in Section 6.01 of the Certificate is payable.

If this Item 6 applies and there is more than one beneficiary, the Annuity Account Value will be apportioned among your beneficiaries as you designate pursuant to Section 6.02 of the Certificate.

If you die after your Required Beginning Date for required minimum distribution payments, described below in Item 7, Subsection A of this Endorsement (Minimum Distribution Rules-Required Payments During Your Life) and such required minimum distribution payments have not commenced under this Certificate, the death benefit under Section 6.01 will be paid in a lump sum and this Item 6 does not apply unless prior to your death you have notified us in accordance with our procedures then in effect that the beneficiary named pursuant to Section 6.02 of the Certificate is also the designated beneficiary for purposes of "Minimum Distribution Rules-Required Payments During Your Life" described below in Item 7 of this Endorsement.

If the beneficiary qualifies to continue this Certificate, and we receive the beneficiary's election within 60 days of receipt of proof of your death, the beneficiary may continue your Certificate pursuant to this Item 6 under the terms set forth in (a) through (h) below. Your Certificate may be continued by one or more beneficiaries (collectively, the "Continuation Beneficiary"). If there is more than one beneficiary, the election must be provided to us within 60 days by each beneficiary with respect to that beneficiary's portion of the Annuity Account Value. For any beneficiary who does not so timely elect, we will pay that beneficiary's share of the death benefit pursuant to Section 6.01 of the Certificate in a lump sum.

No. 2000ENIRAI-IM

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a. the Continuation Beneficiary will automatically become the Annuitant as defined in Section 1.01 of the Certificate with respect to that Continuation Beneficiary's portion of the Annuity Account Value.

b. the Continuation Beneficiary will have the same right to transfer amounts among the Investment Options as the Annuitant.

c. the Continuation Beneficiary cannot make any additional Contributions.

d. distributions to the Continuation Beneficiary will be made in accordance with requirements described in Item 7, Subsection B of this Endorsement (Minimum Distribution Rules-Required Payments After Death). If there is more than one beneficiary and any Continuation Beneficiary requests payment pursuant to Item 7, Subsection B(1) of this Endorsement, then all Continuation Beneficiaries must agree to make this payment election. If all Continuation Beneficiaries cannot so agree, then we will instead make a complete distribution of your entire interest no later than December 31st of the calendar year that contains the fifth anniversary of your death. Further, where payment pursuant to Item 7, Subsection B(1) of this Endorsement is elected by all Continuation Beneficiaries, the Annuity Account Value apportioned to each Continuation Beneficiary is distributed based upon the life expectancy of the oldest of the beneficiaries designated under Section 6.02 of the Certificate, even if that individual does not elect to be a Continuation Beneficiary.

e. the Continuation Beneficiary may withdraw the Annuity Account Value apportioned to such Continuation Beneficiary at any time; withdrawals made after we have received a Continuation Beneficiary's election to continue this Certificate are not subject to a withdrawal charge.

f. upon the Continuation Beneficiary's death, we will make a lump sum payment (other payment options are not available) to the person designated by the deceased Continuation Beneficiary to receive that deceased Continuation Beneficiary's portion of the Annuity Account Value, if any remains.

g. the Certificate cannot be assigned and must continue in your name for benefit of your Continuation Beneficiary.

h. if a minimum income benefit pursuant to Section 7.08 of the Certificate and/or a minimum death benefit pursuant to Section 6.01 of the Certificate are in effect upon our receipt of proof of your death, the charges, if any, for such benefit(s) will no longer apply and the minimum income benefit and the minimum death benefit will no longer be in force.

No. 2000ENIRAI-IM

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7. REQUIRED PAYMENTS:

This Certificate is subject to these "Required Payment" or "Minimum Distribution" rules of Sections 408(b) and 401(a)(9) of the Code and the Treasury Regulations which apply.

A. MINIMUM DISTRIBUTION RULES -- REQUIRED PAYMENTS DURING YOUR LIFE -- Your entire interest in this Certificate will be distributed or begin to be distributed no later than the first day of April following the calendar year in which you attain age 70 1/2 ("Required Beginning Date"). Your entire interest may be distributed, as you elect, over
(a) your life, or the lives of you and your designated beneficiary, or
(b) a period certain not extending beyond your life expectancy, or the joint and last survivor expectancy for you and your designated beneficiary. Distributions must be made in periodic payments at intervals of no longer than one year. In addition, payments must be either non-increasing or they may increase only as provided in Q & A F-3 of Section 1.401(a)(9)-1 of the Proposed Treasury Regulations, or any successor Regulation thereto.

All distributions made under this Certificate must be made in accordance with the requirements of Sections 408(b) and 401(a)(9) of the Code, including the incidental death benefit requirements of
Section 401(a)(9)(G) of the Code, and applicable Treasury Regulations, including the minimum distribution incidental benefit requirements of
Section 1.401(a)(9)-2 of the Proposed Treasury Regulations, or any successor Regulation thereto.

For purposes of determining the "period certain" referred to in the first paragraph of this Section, life expectancy is computed by use of the expected return multiples in Tables V and VI of Treasury Regulation
Section 1.72-9. Unless you otherwise elect prior to the time distributions are required to begin, life expectancies will be recalculated annually. Such election will be irrevocable and will apply to all subsequent years. The life expectancy of a non-spouse beneficiary may not be recalculated. Instead, life expectancy will be calculated using the attained age of such beneficiary during the calendar year in which you attain age 70 1/2, and payments of subsequent years will be calculated based on such life expectancy reduced by one for each calendar year, which has elapsed since the calendar year, life expectancy was first calculated.

B. MINIMUM DISTRIBUTION RULES - REQUIRED PAYMENTS AFTER DEATH - If you die after distribution of your interest in this Certificate has begun, the remaining portion of such interest will continue to be distributed at least as rapidly as under the method of distribution being used prior to your death.

No. 2000ENIRAI-IM

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If you die before distribution of your interest in this Certificate begins, distribution of your entire interest will be completed no later than December 31 of the calendar year containing the fifth anniversary of your death, except to the extent that an election is made to receive distributions after your death in accordance with the following alternate form of distribution in (1) or (2) below:

(1) If your interest is payable to a designated beneficiary, then your entire interest may be distributed over the life of, or over a period certain not greater than the life expectancy of, the designated beneficiary. Such distributions must commence on or before December 31 of the calendar year immediately following the calendar year of your death.

(2) If the designated beneficiary is your surviving spouse, the date that distributions are required to begin in accordance with (1) above shall not be earlier than the later of (a) December 31 of the calendar year immediately following the calendar year of your death or (b) December 31 of the calendar year in which you would have attained age 70 1/2.

If the designated beneficiary is your surviving spouse, and a Successor Annuitant and Owner option (described in Item 4 above of this Endorsement) is elected, the distribution of your interest need not be made until after your surviving spouse's death.

For purposes of determining the "period certain" referred to above, life expectancy is computed by use of the expected return multiples in Table V and VI of Treasury Regulation
Section 1.72-9. For purposes of distributions beginning after your death, unless otherwise elected by the surviving spouse by the time distributions are required to begin; life expectancies will be recalculated annually. Such election will be irrevocable by the surviving spouse and will apply to all subsequent years. In the case of any other designated beneficiary, life expectancies will be calculated using the attained age of such beneficiary during the calendar year in which distributions are required to begin, pursuant to this Item 7, and payments for any subsequent calendar year will be calculated based on such life expectancy reduced by one for each calendar year which has elapsed since the calendar year life expectancy was first calculated.

Distributions under this Item 7 are considered to have begun if distributions are made because you have reached your Required Beginning Date, or if prior to the Required Beginning Date, distributions irrevocably commence to you over a period permitted and in any annuity form acceptable under Section 1.401(a)(9)-1 of the Proposed Treasury Regulations or any successor Regulation thereto.

No. 2000ENIRAI-IM

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8. REPORTS - NOTICES (SECTION 9.04):

We will send you a report as of the end of each calendar year showing the status of the annuity and any other reports required by the Code or Treasury Regulations.

9. ASSIGNMENTS (SECTION 9.05):

Your rights under this Certificate may not be assigned, pledged or transferred except as permitted by law. You may not name a new Owner, except as described in Item 4 or 6 of this Endorsement.

10. TERMINATION OF CERTIFICATE:

If an annuity under the Certificate fails to qualify as an annuity under Section 408(b) of the Code, we will have the right to terminate the Certificate. We may do so, upon receipt of notice of such fact, before the Annuity Commencement Date. In that case, we will pay the Annuity Account Value less a deduction for the part which applies to any Federal income tax payable by you which would not have been payable with respect to an annuity which meets the terms of the Code. However, we may also, at your request, transfer the Annuity Account Value to another annuity certificate issued by an affiliate, subsidiary or us.

NEW YORK,

THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES

/s/Edward D. Miller                        /s/Pauline Sherman
------------------------------------       -----------------------------------
Edward D. Miller                           Pauline Sherman
Chairman and Chief Executive Officer       Senior Vice President, Secretary and
                                           Associate General Counsel

No. 2000ENIRAI-IM

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ENDORSEMENT
APPLICABLE TO NON-QUALIFIED
CERTIFICATES

This Endorsement applies only to the Owner of a Non-Qualified Certificate.

1. ANNUITY COMMENCEMENT DATE (SECTION 1.04):

You may not choose an Annuity Commencement Date later than the maximum maturity age, currently age 90, unless a different age is required by State Law.

2. CONTRIBUTIONS (SECTION 3.01):

We have the right not to accept any Contribution which is less than the amount(s) stated in the Data pages.

3. OWNER DEATH DISTRIBUTION RULES (SECTION 6.01):

Upon the death of you, as Owner, before the Annuity Commencement Date:

(a) If you are both the Owner and the Annuitant, we will pay the death benefit described in Section 6.01. Any part of a death benefit for which there is no named beneficiary living at your death will be payable in a single sum to your surviving spouse, if there is no surviving spouse, then to the children who survive you in equal shares, or should none survive, then to your estate.

Under the following circumstances, the death benefit described in Section 6.01 of the Certificate will not be paid at your death before the Annuity Commencement Date and the coverage under the Certificate will continue with your surviving spouse as Successor Annuitant and Owner if:

(i) You are married at the time of your death and the person named as your beneficiary under Section 6.02 of the Certificate is your surviving spouse; and

(ii) Your surviving spouse elects to become "Successor Annuitant and Owner" of your Certificate.

No. 99ENNQ-G

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(b) If you are not the Annuitant, the named beneficiary will succeed as Owner. The entire amount in the Investment Options (after any Withdrawal Charge) must be fully paid within five years after your death, or payments must begin within one year after your death as a life annuity or installment option for a period of not longer than the life expectancy of the named beneficiary. If you have not elected a form of payment as described in Section 6.02, we will make a single sum payment to the beneficiary on the fifth anniversary of your death. Subject to our rules at the time of payment, the beneficiary may elect to apply such a single sum payment to a new non-qualified annuity certificate to be owned by the beneficiary. Instead of a single sum payment, the beneficiary may elect to receive an Annuity Benefit or a payout option which satisfies the terms of Section 72(s) of the Code and our rules at the time. However, if the named beneficiary is your spouse, full payment of amounts under the Certificate must be made not later than five years after the spouse's death.

If payments under an Annuity Benefit had begun before your death, such payments will continue to be made pursuant to the terms of such Benefit.

If the Annuitant dies before the entire amount under the Certificate is paid, we will pay the death benefit as described in Section 6.01.

(c) Unless you direct otherwise, the named beneficiary will also be the person who succeeds as Owner on your death while the Annuitant is alive as described in Section 6.02. You may change any beneficiary or successor Owner from time to time during the Annuitant's lifetime and while the Certificate is in force, as described in item (a) above.

(d) If you are not the Annuitant, you may name another person to be the successor Owner and to receive the amounts to be paid under (b) above. You may also name another person to be successor Owner if the first choice as successor Owner dies before you. If you have so named two or more persons to succeed as Owner and more than one survives, they will share equally unless you direct otherwise. If no person named as beneficiary to receive the death benefit survives the Annuitant, we will pay the death benefit in a single sum to you. In the event of your death after the Annuitant, but before we pay such death benefit, the benefit will be payable in a single sum to your surviving spouse, if there is no surviving spouse, then to the children who survive you, in equal shares, or should none survive, to your estate.

If you die before the Annuity Commencement Date while the Annuitant is still living, and if no person named as successor Owner is living at the Owner's death, the beneficiary will be deemed to be, in this order, (i) your surviving spouse, (ii) the Annuitant, (iii) the children who survive you, in equal shares, or (iv) your estate.

No. 99ENNQ-G

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4. ASSIGNMENTS (SECTION 9.05) IS REPLACED WITH THE FOLLOWING:

Your rights under this Certificate may not be assigned, pledged or transferred other than to effect a tax-free exchange.

NEW YORK,

THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES

/s/Edward D. Miller                        /s/Pauline Sherman
------------------------------------       -----------------------------------
Edward D. Miller                           Pauline Sherman
Chairman and Chief Executive Officer       Senior Vice President, Secretary and
                                           Associate General Counsel

No. 99ENNQ-G

[GRAPHIC OF WORD "SPECIMEN"]

PROTECTION PLUS
OPTIONAL DEATH BENEFIT RIDER

In this Rider, "we", "our", and "us" means Equitable Life Assurance Society of the United States and "you" and "your" means the Owner.

The death benefit payable when Protection Plus is included in your Certificate is equal to your death benefit payable as described in the "Death Benefit" section of the Certificate to which this Rider is attached, increased by the Protection Plus Death Benefit Increment.

The Protection Plus Death Benefit Increment is equal to:

40% of the lesser of:
(i) your net contributions, or

(ii) your death benefit as described in the Death Benefit section less your net contributions.

Net contributions means the total contributions you have made reduced on a pro rata basis to reflect your withdrawals. Reduction on a pro rata basis means that we calculate the percentage of your current account value that is being withdrawn and we reduce your contributions by that percentage. We make this calculation as of the transaction date of each withdrawal.

The charge for this benefit, as shown in the Data Pages, will be a percentage of the Annuity Account Value.

If the Successor Owner/Annuitant election is made after the death of the original Annuitant and the Successor Owner/Annuitant is less than age 76 on the date we received due proof of death, this rider shall remain in effect and the charge for the benefit shall continue to apply. If this rider remains in effect, the Protection Plus Death Benefit Increment will be added to the Annuity Account Value, along with the excess, if any, of the Death Benefit as described in the Death Benefit section over the Annuity Account Value. The total amount will then be substituted for the net contributions in the above formula, as of the date of the Successor Owner/Annuitant's election. When the Successor Owner/Annuitant election has been made and this rider remains in effect, the percentage in the above formula is based on the Successor Owner/Annuitant's age on the date due proof of the original Annuitant's death was received.

No. 2000PPDB

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GENERAL PROVISIONS OF THIS RIDER

This Rider is part of the Certificate to which it is attached. Its benefit is subject to all the terms of this Rider and such Certificate.

This Rider will terminate when the Certificate terminates or when the Certificate continues under the Beneficiary Continuation Option.

NEW YORK,

THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES

/s/Edward D. Miller                        /s/Pauline Sherman
------------------------------------       -----------------------------------
Edward D. Miller                           Pauline Sherman
Chairman and Chief Executive Officer       Senior Vice President, Secretary and
                                           Associate General Counsel

No. 2000PPDB

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EQUITABLE ACCUMULATOR (ROLLOVER) IRA

DATA

OWNER: John Doe

ANNUITANT: John Doe Age: 44 Sex: Male

                          Endorsement Applicable to IRA Certificates
                          Endorsement Applicable to Market Value Adjustment
                          Terms
                          Rider to Endorsement Applicable to Market Value
                          Adjustment Terms
                          Endorsement Applicable to Life Contingent Annuity

   ISSUE DATE:               January 8, 2001

   CONTRACT DATE:            January 8, 2001

ANNUITY COMMENCEMENT DATE:   March 20, 2047

THE MAXIMUM MATURITY AGE IS AGE 90 -- SEE SECTION 7.03.

The Annuity Commencement Date may not be later than the Processing Date which follows your 90th birthday.

However, if you choose a date later than age 70 1/2, distribution of at least the minimum payments required must commence by April 1 of the calendar year following the calendar year in which you attain age 70 1/2 (see item 2 of the Endorsement Applicable to IRA Certificates).

GUARANTEED BENEFITS: Combined Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit (5% Roll Up to Age 80)

BENEFICIARY: Jane Doe

No. 94ICB Data page 1 (2/00)

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INVESTMENT OPTIONS                                 ALLOCATION (SEE SECTION 3.01)
------------------                                 -----------------------------
o  Alliance Common Stock Fund                              $25,000.00
o  Alliance Conservative Investors Fund
o  Alliance Global Fund
o  Alliance Growth and Income Fund
o  Alliance Growth Investors Fund
o  Alliance High Yield Fund
o  Alliance Intermediate Government Securities Fund
o  Alliance International Fund
o  Alliance Money Market Fund
o  Alliance Small Cap Growth Fund
o  Capital Guardian Research Fund
o  Capital Guardian U.S. Equity Fund
o  EQ Equity 500 Index Fund
o  EQ International Equity Index Fund
o  EQ Small Company Index Fund
o  EQ/Aggressive Stock Fund
o  EQ/Alliance Premier Growth Fund
o  EQ/Alliance Technology Fund
o  EQ/AXP New Dimensions Fund
o  EQ/AXP Strategy Aggressive Fund
o  EQ/Evergreen Foundation Fund
o  EQ/Evergreen Fund
o  EQ/Janus Large Cap Growth Fund
o  EQ/Putnam Balanced Fund
o  EQ/Putnam Growth & Income Value Fund
o  FI Mid Cap Fund
o  FI Small/Mid Cap Value Fund
o  Mercury Basic Value Equity Fund
o  Mercury World Strategy Fund
o  MFS Emerging Growth Companies Fund
o  MFS Growth with Income Fund
o  MFS Research Fund
o  Morgan Stanley Emerging Markets Equity Fund
o  T. Rowe Price Equity Income Fund
o  T. Rowe Price International Stock Fund

No. 94ICB Data page 2 (2/00)

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DATA PAGES (CONT'D)

February 15, 2002

February 15, 2003
February 15, 2004
February 15, 2005
February 15, 2006
February 15, 2007
February 15, 2008
February 15, 2009
February 15, 2010
February 15, 2011
*February 15, 2012
*February 15, 2013
*February 15, 2014
*February 15, 2015
*February 15, 2016

*Only available under the Assured Payment Option and APO Plus.

Investment Options shown are Investment Funds of our Separate Account No. 45 and Guarantee Periods shown are in the Guaranteed Period Account. See Endorsement Applicable to Market Value Adjustment Terms.

"TYPES" OF INVESTMENT OPTIONS (SEE SECTION 4.02): Not applicable

GUARANTEED INTEREST ACCOUNT (SEE SECTION 2.01): Any amount held in an account for Special Dollar Cost Averaging becomes part of our general assets, which support the guarantees of this Certificate and other Certificates. We will credit the amount of each Contribution allocated to and remaining in an account for Special Dollar Cost Averaging with interest at the effective annual rate that was applicable to your program on the Transaction Date of the Contribution. We may set different rates for programs of different duration.

BUSINESS DAY (SEE SECTION 1.05): A Business Day for this Certificate will mean generally any day on which the New York Stock Exchange is open for trading.

PROCESSING DATES (SEE SECTION 1.20): A Processing Date is each Contract Date anniversary.

AVAILABILITY OF INVESTMENT OPTIONS (SEE SECTION 2.04): (See Data pages, Part C;
Allocation Restrictions)

No. 94ICB (Rev 9/00)-SSDCA Data page 2a

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DATA PAGES (CONT'D)

ALLOCATION OF CONTRIBUTIONS (SEE SECTION 3.01): Your initial and any subsequent Contributions are allocated according to your instructions.

Special Dollar Cost Averaging - Under a Special Dollar Cost Averaging program, you allocate all or any portion of your Contribution to an interest bearing account for the program. We transfer a portion of each amount allocated to the account (including accrued interest) to the Investment Options according to your allocation instructions on a systematic monthly basis, such that all amounts are transferred out of the account by the end of the program. Transfers will be made on a first-in first-out (fifo) basis. Each program is for a six, twelve, or eighteen month period or such other period we may make available to you in the future. The minimum initial amount that you may allocate to the account for a Special Dollar Cost Averaging program is $2,000. The minimum subsequent contribution to an existing program is $250.00. Subsequent Contributions to an existing Special Dollar Cost Averaging program will not extend the expiration date of that program.

You may elect to participate in a Special Dollar Cost Averaging program at any time, but you may have only one program in effect at a time. At the expiration of a Special Dollar Cost Averaging program, you may start a new program.

If you elect the Assured Payment Option after issue of the Certificate, your Annuity Account Value and any subsequent Contributions will be allocated by us to the Guaranteed Period Account and the Life Contingent Annuity and no amounts may be allocated to the Investment Funds. (See Data pages, Part C; Allocation Restrictions)

If you elect APO Plus after issue of the Certificate, a portion of your Annuity Account Value is allocated by us to the Guaranteed Period Account and the Life Contingent Annuity. The remaining Annuity Account Value is allocated to the Alliance Common Stock Fund or the EQ Equity 500 Index Fund as you select, until transferred by us. (See Data pages, Part C; Allocation Restrictions)

CONTRIBUTION LIMITS: We will only accept an initial Contribution of at least $5,000 in the form of a rollover Contribution or a direct custodian-to-custodian transfer from other traditional individual retirement arrangements. Subsequent Contributions may be made in an amount of at least $1,000. Subsequent Contributions may be rollover Contributions or direct transfers. Rollover and direct transfer Contributions may be made at any time until you attain age 84. However, any amount contributed after you attain age 70 1/2 must be net of your minimum distribution for the year in which the rollover or direct transfer Contribution is made (see item 2 Annuity Commencement Date in Endorsement Applicable to IRA Certificates). We may refuse to accept any Contribution if the sum of all Contributions under all accumulation Certificates with the same Annuitant would then total more than $1,500,000. We reserve the right to limit aggregate Contributions made after the first Contract Year to 150% of first year Contributions. We may also refuse to accept any Contribution if the sum of all Contributions under all Equitable Life annuity accumulation certificates/contracts that you own would then total more than $2,500,000.

No. 94ICB (Rev 9/00)-SSDCA Data page 3

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DATA PAGES (CONT'D)

A minimum Annuity Account Value of $10,000 is required to elect the Assured Payment Option or APO Plus.

TRANSFER RULES (SEE SECTION 4.02): You may not transfer Annuity Account Value into an account for Special Dollar Cost Averaging. Any request by you to transfer amounts out of an account for Special Dollar Cost Averaging, other than your regularly scheduled transfers to the Investment Options as part of a Special Dollar Cost Averaging program, will terminate that Special Dollar Cost Averaging program. Any amount remaining in the account for Special Dollar Cost Averaging after such a transfer will be transferred to your other Investment Options according to your then current allocation instructions.

ALLOCATION OF WITHDRAWALS (SEE SECTION 5.01): Lump Sum Withdrawals - You must provide withdrawal instructions indicating from which Investment Options the Lump Sum Withdrawal and any withdrawal charge will be taken; Minimum Distribution Withdrawals - Unless you specify otherwise, Minimum Distribution Withdrawals will be withdrawn on a pro rata basis from your Annuity Account Value in the Investment Funds. If there is insufficient value or no value in the Investment Funds, any additional amount of the withdrawal required or the total amount of the withdrawal, as applicable, will be withdrawn from the Guarantee Periods in order of the earliest Expiration Date(s) first.

Any withdrawal from an account for Special Dollar Cost Averaging will terminate that Special Dollar Cost Averaging program. Any amounts remaining in the account for Special Dollar Cost Averaging after such a withdrawal will be transferred to your other Investment Options according to your then current allocation instructions.

WITHDRAWAL RESTRICTIONS (SEE SECTION 5.01): Minimum Distribution Withdrawals - May be elected in the year in which you attain age 70 1/2 or at a later date. Minimum Distribution Withdrawals will be made annually.

Minimum Distribution Withdrawals may not be elected while the Assured Payment Option or APO Plus is in effect.

MINIMUM WITHDRAWAL AMOUNT (SEE SECTION 5.01): Lump Sum Withdrawals minimum - $1,000; Minimum Distribution Withdrawals minimum - $250.

MINIMUM AMOUNT OF ANNUITY ACCOUNT VALUE AFTER A WITHDRAWAL (SEE SECTION 5.02):
Requests for a withdrawal must be for either (a) 90% or less of the Cash Value or (b) 100% of the Cash Value (surrender of the Certificate).

We will NOT exercise our rights, described in Sections 5.02(b) and 5.02(c), to terminate the Certificate.

DEATH BENEFIT AMOUNT (SEE SECTION 6.01):

The death benefit is equal to the Annuity Account Value or, if greater, the Guaranteed Minimum Death Benefit defined below.

No. 94ICB (Rev 9/00)-SSDCA Data page 4

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DATA PAGES (CONT'D)

Guaranteed Minimum Death Benefit 5% Roll Up to Age 80 - On the Contract Date, the Guaranteed Minimum Death Benefit is equal to the initial Contribution. Thereafter, the Guaranteed Minimum Death Benefit is credited each day with interest at an annual effective rate of 5% (3% for amounts in the Alliance Money Market Fund, Alliance Intermediate Government Securities Fund and the Guarantee Periods) through your age 80 (or at your death, if earlier), and 0% thereafter. The Guaranteed Minimum Death Benefit interest applicable during the period selected for the Special Dollar Cost Averaging Account, if applicable, will be 5%. The Guaranteed Minimum Death Benefit is also adjusted for any subsequent Contributions and withdrawals.

Effect of Withdrawals under Roll Up Option - The current Guaranteed Minimum Death Benefit will be reduced on a dollar-for-dollar basis as long as the sum of your withdrawals in any Contract Year is 5% or less of the beginning of Contract Year Guaranteed Minimum Death Benefit. Once a withdrawal is made that causes cumulative withdrawals in a Contract Year to exceed 5% of the beginning of Contract Year Guaranteed Minimum Death Benefit, that withdrawal and any subsequent withdrawals in that Contract Year will cause a pro rata reduction to occur.

If the Successor Owner/Annuitant election is made upon the Annuitant's death, the Annuity Account Value will be increased to the then current Guaranteed Minimum Death Benefit if such amount is greater (including any optional Death Benefit Rider amounts, if applicable). The increase, if any, will be allocated in accordance with the current instructions on file. In determining whether the Guaranteed Minimum Death Benefit is still in effect, we will use the age of the Successor Owner/Annuitant as of the date we receive due proof of death of the original Annuitant.

NORMAL FORM OF ANNUITY (SEE SECTION 7.04): The Normal Form of Annuity is Life Annuity 10 Year Period Certain for annuitization ages up to age 79. For annuitization ages 80 and older, the following applies:

Annuitization Age                  Length of Period Certain
-----------------                  ------------------------
  80 through 81                                 9
  82 through 83                                 8
  84 through 86                                 7
  87 through 89                                 6
  90 through 92                                 5
  93 through 95                                 4

The maximum annuitization age varies by issue age and is shown on Data page 1.

AMOUNT OF ANNUITY BENEFIT (SEE SECTION 7.05): The amount applied to provide the Annuity Benefit will be (1) the Annuity Account Value for any life annuity form or (2) the Cash Value for any period certain only annuity form except that if the period certain is more than five years the amount applied will be no less than 95% of the Annuity Account Value.

No. 94ICB Data page 5 (2/00)

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DATA PAGES (CONT'D)

INTEREST RATE TO BE APPLIED IN ADJUSTING FOR MISSTATEMENT OF AGE OR SEX (SEE
SECTION 7.06): 6% per year

MINIMUM AMOUNT TO BE APPLIED TO AN ANNUITY (SEE SECTION 7.06): $2,000, as well
as minimum of $20 for initial monthly annuity payment.

GUARANTEED MINIMUM INCOME BENEFIT (SEE SECTION 7.08): You may apply the Annuity Account Value during the period of time indicated below to purchase a minimum amount of guaranteed lifetime income under either (i) our fixed Life Annuity payout option or (ii) our Income Manager (Life Annuity with a Period Certain) level payment payout annuity Certificate. Other options may be available at the time of exercise. The Life Annuity payout option provides annuity payments while you are living. Payments end with the last payment made before your death. Our fixed Joint and Survivor Life Annuity payout option is also available. Payments under the Joint and Survivor Life Annuity payout option end with the last payment made before the surviving Annuitant's death.

The Income Manager (Life Annuity with a Period Certain) level payment payout annuity Certificate provides payments during a period certain with payments continuing for life thereafter. The period certain is based on your age at the time the Income Manager (Life Annuity with a Period Certain) payout annuity is elected. The period certain is 10 years for ages 60 through 75; 9 years for age 76; 8 years for age 77; 7 years for ages 78 through 83; 6 years for age 84; and 5 years for age 85. The Income Manager (Life Annuity with a Period Certain) level payment payout annuity is also available on a joint and survivor basis. The following paragraphs describe the conditions for exercise of the Guaranteed Minimum Income Benefit.

The Guaranteed Minimum Income Benefit is available only if it is exercised within 30 days following the 10th or later Contract Date anniversary under this Certificate. However, it may not be exercised later than your age 85.

On the Transaction Date that you exercise the Guaranteed Minimum Income Benefit, the lifetime income that will be provided under the payout option selected will be the greater of (i) your Guaranteed Minimum Income Benefit, and (ii) the amount of income that would be provided by application of the Annuity Account Value as of the Transaction Date at our then current annuity purchase factors.

Guaranteed Minimum Income Benefit Benefit Base - The Guaranteed Minimum Income Benefit benefit base is equal to the initial Contribution on the Contract Date. Thereafter, the Guaranteed Minimum Income Benefit benefit base is credited each day with interest at an annual effective rate of 5% (3% for amounts in the Alliance Money Market Fund, Alliance Intermediate Government Securities Fund and the Guarantee Periods) through your age 80, and 0% thereafter. The Guaranteed Minimum Income Benefit benefit base interest applicable during the period selected for the Special Dollar Cost Averaging Account, if applicable, will be 5%. The Guaranteed Minimum Income Benefit benefit base is also adjusted for any subsequent Contributions and withdrawals. The Guaranteed Minimum Income Benefit benefit base will also be reduced by any withdrawal charge remaining on the Transaction Date that you exercise your Guaranteed Minimum Income Benefit.

No. 94ICB Data page 6 (rev 3/00 bB)

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DATA PAGES (CONT'D)

The Guaranteed Minimum Income Benefit benefit base is applied to guaranteed minimum annuity purchase factors to determine the Guaranteed Minimum Income Benefit. The guaranteed minimum annuity purchase factors are shown in the attached table.

The Guaranteed Minimum Income Benefit benefit base does not create an Annuity Account Value or a Cash Value and is used solely for purposes of calculating the Guaranteed Minimum Income Benefit.

Each withdrawal will cause a reduction in the current Guaranteed Minimum Death Benefit and Guaranteed Minimum Income Benefit benefit base on a pro rata basis.

WITHDRAWAL CHARGES (SEE SECTION 8.01): A withdrawal charge will be imposed as a percentage of each Contribution made to the extent that (i) any withdrawals during a Contract Year exceed the Free Corridor Amount as discussed in Section 8.01 or, (ii) the Certificate is surrendered to receive the Cash Value. We determine the withdrawal charge separately for each Contribution in accordance with the table below.

                                       Current and Maximum
                                          Percentage of
Contract Year                            Contributions
-------------                            -------------
         1                                   7.00%
         2                                   6.00%
         3                                   5.00%
         4                                   4.00%
         5                                   3.00%
         6                                   2.00%
         7                                   1.00%
    8 and later                              0.00%

The applicable withdrawal charge percentage is determined by the Contract Year in which the withdrawal is made or the Certificate is surrendered, beginning with "Contract Year 1" with respect to each Contribution withdrawn or surrendered. For purposes of the table, for each Contribution, the Contract Year in which we receive that Contribution is "Contract Year 1."

Withdrawal charges will be deducted from the Investment Options from which each withdrawal is made in proportion to the amount being withdrawn from each Investment Option.

FREE CORRIDOR AMOUNT (SEE SECTION 8.01): 15% of Annuity Account Value at the beginning of the Contract Year minus any amount previously withdrawn during the Contract Year. Amounts withdrawn up to the Free Corridor Amount will not be deemed a withdrawal of Contributions. In any Contract Year when a Minimum Distribution Withdrawal is the only withdrawal taken, no withdrawal charge will apply.

Withdrawals in excess of the Free Corridor Amount or a Minimum Distribution Withdrawal when added to a Lump Sum Withdrawal previously taken in the same Contract Year, which exceeds the Free Corridor Amount will be deemed withdrawals of Contributions in the order in which they were made (that is, the first-in, first-out basis will apply).

No. 94ICB Data page 7 (rev 3/00 bB)

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DATA PAGES (CONT'D)

The Free Corridor Amount does not apply when calculating the withdrawal charge applicable upon a surrender.

If the Assured Payment Option or APO Plus is in effect a 10% Free Corridor Amount will apply for Lump Sum Withdrawals.

NO WITHDRAWAL CHARGES WILL APPLY IN THESE EVENTS:

1. the Annuitant has qualified to receive Social Security disability benefits as certified by the Social Security Administration;

2. you give us proof that the Annuitant's life expectancy is six months or less (such proof must include, but is not limited to, certification by a licensed physician);

3. the Annuitant has been confined to a nursing home for more than 90 days as verified by a licensed physician. A nursing home for this purpose means one which is (i) approved by Medicare as a provider of skilled nursing care service, or (ii) licensed as a skilled nursing home by the state or territory in which it is located (it must be within the United States, Puerto Rico, U. S. Virgin Islands, or Guam) and meets all the following:

o its main function is to provide skilled, intermediate or custodial nursing care;
o it provides continuous room and board to three or more persons;
o it is supervised by a registered nurse or practical nurse;
o it keeps daily medical records of each patient;
o it controls and records all medications dispensed; and
o its primary service is other than to provide housing for residents.

4. the Successor Owner/Annuitant option is elected and exercised, and the Successor Owner/Annuitant withdraws Contributions made by the Annuitant prior to the Annuitant's death.

The withdrawal charge will apply with respect to a Contribution if the condition as described above (excluding the 4th listed item) existed at the time the Contribution was remitted or if the condition began within the 12 month period following remittance.

No. 94ICB Data page 8 (2/00)

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DATA PAGES (CONT'D)

CHARGES DEDUCTED FROM ANNUITY ACCOUNT VALUE (SEE SECTION 8.02):

(a) Combined Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit Charge: For providing the Combined Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit we will deduct annually on each Processing Date an amount equal to 0.30% of the Guaranteed Minimum Income Benefit benefit base (described above) in effect on such Processing Date. 0.30% is the maximum we will charge.

(b) Charges for State Premium and Other Applicable Taxes: A charge for applicable taxes, such as state or local premium taxes generally will be deducted from the amount applied to provide an Annuity Benefit under Section 7.02. In certain states, however, we may deduct the charge from Contributions rather than at the Annuity Commencement Date.

The above charges will be deducted from the Annuity Account Value in the Investment Funds on a pro rata basis. If there is insufficient value in the Investment Funds, all or a portion of the charges will be deducted from the Annuity Account Value with respect to the Guarantee Periods in order of the earliest Expiration Date(s) first.

                  Current and Maximum      Annual rate of 1.10% (equivalent to a
                                           daily rate of 0.003032%).

Administration Charge:
                  Current and Maximum      Annual rate of 0.25% (equivalent to
                                           a daily rate of 0.000692%). We
                                           reserve the right to increase this
                                           charge to an annual rate of 0.35%.

Distribution Charge:
                  Current and Maximum      Annual rate of 0.20% (equivalent to a
                                           daily rate of 0.000556%).

No. 94ICB Data page 9 (2/00)

[GRAPHIC OF WORD "SPECIMEN")

DATA PAGES (CONT'D)

PART C -- THIS PART LISTS THE TERMS WHICH APPLY TO THE ENDORSEMENT APPLICABLE TO

------ MARKET VALUE ADJUSTMENT TERMS (MVA ENDORSEMENT).

ALLOCATION RESTRICTIONS (SEE SECTION 3.01): Except as indicated below, if you are age 76 or older, allocations may be made only to Guarantee Periods with maturities of five years or less; however, in no event may allocations be made to Guarantee Periods with maturities beyond the February 15th immediately following the Annuity Commencement Date.

If you elect the Assured Payment Option, your Contributions and Annuity Account Value will be allocated by us to serially maturing Guarantee Periods having Expiration Dates in annual sequence and the Modal Payment portion of the Guaranteed Period Account, if applicable, and applied to the Life Contingent Annuity, so as to provide substantially equal or increasing withdrawal payments during a fixed period followed by annuity payments for life under the Life Contingent Annuity. The fixed period payments consist of payments described under Transfers at Expiration Date, below. When amounts are applied under the Life Contingent Annuity, Data pages, Part D will be issued.

If you elect APO Plus, a portion of your Annuity Account Value is allocated by us to serially maturing Guarantee Periods having Expiration Dates in annual sequence and the Modal Payment portion of the Guaranteed Period Account, if applicable, and applied to the Life Contingent Annuity, so as to provide substantially equal withdrawal payments during a fixed period followed by annuity payments for life under the Life Contingent Annuity. Fixed period payments are described under Transfers at Expiration Date, below. The remaining Annuity Account Value is allocated to the Alliance Common Stock Fund or EQ Equity 500 Index Fund as you select. Once the Fund is selected, it may not be changed. Any subsequent Contributions will be allocated only to the selected Fund and then will be periodically transferred by us to the Guarantee Periods and the Life Contingent Annuity. When amounts are applied under the Life Contingent Annuity, Data pages, Part D will be issued.

TRANSFERS AT EXPIRATION DATE (SEE ITEM 1 OF MVA ENDORSEMENT): If no election is made with respect to amounts in the Guaranteed Period Account as of the Expiration Date, such amounts will be transferred into the Guarantee Period with the earliest Expiration Date.

If the Assured Payment Option or APO Plus is in effect, upon the expiration of a Guarantee Period, the Guaranteed Period Amount will be paid to you in full, if annual payments are to be made on an Expiration Date in each calendar year. Otherwise, the Guaranteed Period Amount will be transferred into the Modal Payment portion of the Guaranteed Period Account. You may not transfer these amounts into any other Investment Options. These withdrawals will not be subject to a withdrawal charge.

No. 94ICBMVA Data page 10 (2/00)

[GRAPHIC OF WORD "SPECIMEN")

MARKET VALUE ADJUSTMENT (MVA) ON TRANSFERS AND WITHDRAWALS (SEE ITEM 2 OF MVA ENDORSEMENT): The MVA (positive or negative) resulting from a withdrawal or transfer of a portion of the amount in a Guarantee Period will be a percentage of the MVA that would be applicable upon a withdrawal of all of the Annuity Account Value from a Guarantee Period. This percentage is determined by (i) dividing the amount of the withdrawal or transfer from the Guarantee Period by
(ii) the Annuity Account Value in such Guarantee Period prior to the withdrawal or transfer.

TRANSFER RULES (SEE SECTION 4.02): Transfers may not be made to a Guarantee Period maturing in the current calendar year. Guarantee Periods to which transfers may be made are limited based on your attained age (see Allocation Restrictions above).

MVA FORMULA (SEE ITEM 3 OF MVA ENDORSEMENT): The Guaranteed Rate for new allocations to a Guarantee Period is the rate we have in effect for this purpose even if new allocations to that Guarantee Period would not be accepted at the time. This rate will not be less than 3%.

The current rate percentage we use in item (c) of the formula is 0.00%. For purposes of calculating the MVA only, we reserve the right to add up to 0.25% to such current rate percentage.

SEPARATE ACCOUNT (SEE ITEM 5 OF MVA ENDORSEMENT): The portion of the assets of Separate Account No. 46 equal to the reserves and other contract liabilities will not be chargeable with liabilities which arise out of any other business we conduct.

No. 94ICBMVA Data page 11 (2/00)

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                        GUARANTEED MINIMUM INCOME BENEFIT
                       TABLE OF GUARANTEED MINIMUM ANNUITY
                                PURCHASE FACTORS
                         FOR INITIAL LEVEL ANNUAL INCOME
                               SINGLE LIFE - MALE

                             PURCHASE FACTORS                                             PURCHASE FACTORS
                   ----------------------------------                           ----------------------------------
                   LIFE ANNUITY WITH                                            LIFE ANNUITY WITH
ELECTION AGE       A PERIOD CERTAIN      LIFE ANNUITY        ELECTION AGE       A PERIOD CERTAIN      LIFE ANNUITY
------------       ----------------      ------------        ------------       ----------------      ------------
    35                  3.55%               3.56%                60                     4.94%             5.15%
    36                  3.58                3.59                 61                     5.02              5.26
    37                  3.62                3.63                 62                     5.11              5.38
    38                  3.65                3.67                 63                     5.20              5.51
    39                  3.69                3.71                 64                     5.30              5.64
    40                  3.74                3.76                 65                     5.40              5.79
    41                  3.77                3.80                 66                     5.50              5.94
    42                  3.82                3.85                 67                     5.60              6.10
    43                  3.87                3.90                 68                     5.70              6.27
    44                  3.91                3.95                 69                     5.81              6.45
    45                  3.96                4.00                 70                     5.91              6.64
    46                  4.02                4.06                 71                     6.02              6.84
    47                  4.06                4.11                 72                     6.12              7.06
    48                  4.11                4.17                 73                     6.21              7.28
    49                  4.17                4.23                 74                     6.31              7.51
    50                  4.23                4.30                 75                     6.40              7.76
    51                  4.29                4.37                 76                     6.69              8.03
    52                  4.35                4.44                 77                     7.01              8.31
    53                  4.41                4.51                 78                     7.38              8.61
    54                  4.48                4.59                 79                     7.53              8.93
    55                  4.55                4.67                 80                     7.67              9.27
    56                  4.62                4.76                 81                     7.81              9.64
    57                  4.69                4.85                 82                     7.93             10.02
    58                  4.77                4.94                 83                     8.05             10.43
    59                  4.84                5.04                 84                     8.60             10.87
                                                                 85                     9.25             11.34

Other forms of annuities may be available.

No. 94ICB Data page 12 (rev 3/00 bB)

[GRAPHIC OF WORD "SPECIMEN")

EQUITABLE ACCUMULATOR (ROTH CONVERSION) IRA

DATA

OWNER: John Doe

ANNUITANT: John Doe Age: 44 Sex: Male

CERTIFICATE NUMBER:            00000

  ENDORSEMENTS ATTACHED:       Minimum Income Benefit Endorsement

                               Endorsement Applicable to Roth IRA Certificates
                               Endorsement Applicable to Market Value Adjustment
                               Terms
                               Rider to Endorsement Applicable to Market Value
                               Adjustment Terms

  ISSUE DATE:                    January 8, 2001

  CONTRACT DATE:                 January 8, 2001

ANNUITY COMMENCEMENT DATE:       March 20, 2047

                     Age 80)

BENEFICIARY:    Jane Doe


No. 94ICB                                       Data page 1               (2/00)

[GRAPHIC OF WORD "SPECIMEN")

INVESTMENT OPTIONS                                 ALLOCATION (SEE SECTION 3.01)
                                                   -----------------------------
o  GUARANTEED INTEREST ACCOUNT
      GUARANTEED INTEREST RATE - 8.00%                       $5,000.00
o  Alliance Common Stock Fund
o  Alliance Conservative Investors Fund
o  Alliance Global Fund
o  Alliance Growth and Income Fund
o  Alliance Growth Investors Fund
o  Alliance High Yield Fund
o  Alliance Intermediate Government Securities Fund
o  Alliance International Fund
o  Alliance Money Market Fund
o  Alliance Small Cap Growth Fund
o  Capital Guardian Research Fund
o  Capital Guardian U.S. Equity Fund
o  EQ Equity 500 Index Fund
o  EQ International Equity Index Fund
o  EQ Small Company Index Fund
o  EQ/Aggressive Stock Fund
o  EQ/Alliance Premier Growth Fund
o  EQ/Alliance Technology Fund
o  EQ/AXP New Dimensions Fund
o  EQ/AXP Strategy Aggressive Fund
o  EQ/Evergreen Foundation Fund
o  EQ/Evergreen Fund
o  EQ/Janus Large Cap Growth Fund
o  EQ/Putnam Balanced Fund
o  EQ/Putnam Growth & Income Value Fund
o  FI Mid Cap Fund
o  FI Small/Mid Cap Value Fund
o  Mercury Basic Value Equity Fund
o  Mercury World Strategy Fund
o  MFS Emerging Growth Companies Fund
o  MFS Growth with Income Fund
o  MFS Research Fund
o  Morgan Stanley Emerging Markets Equity Fund
o  T. Rowe Price Equity Income Fund
o  T. Rowe Price International Stock Fund

[GRAPHIC OF WORD "SPECIMEN")

DATA PAGES (CONT'D)

                                                   ALLOCATION (SEE SECTION 3.01)
                                                   -----------------------------

o  GUARANTEE PERIODS (CLASS II)
   EXPIRATION DATE AND GUARANTEED RATE

   February 15, 2002
   February 15, 2003
   February 15, 2004
   February 15, 2005
   February 15, 2006
   February 15, 2007
   February 15, 2008
   February 15, 2009
   February 15, 2010
   February 15, 2011

                                                   ---------------------------

TOTAL: $5,000.00

Investment Options shown (other than the Guaranteed Interest Account) are Investment Funds of our Separate Account No. 45 and Guarantee Periods shown are in the Guaranteed Period Account. See Endorsement Applicable to Market Value Adjustment Terms.

"TYPES" OF INVESTMENT OPTIONS (SEE SECTION 4.02): Not applicable

GUARANTEED INTEREST ACCOUNT (SEE SECTION 2.01): Any amount held in an account for Special Dollar Cost Averaging becomes part of our general assets, which support the guarantees of this Certificate and other Certificates. We will credit the amount of each Contribution allocated to and remaining in an account for Special Dollar Cost Averaging with interest at the effective annual rate that was applicable to your program on the Transaction Date of the Contribution. We may set different rates for programs of different duration. Any Contributions allocated to an account for Special Dollar Cost Averaging during the 90 days following the date of your application for the Certificate will earn the interest rate that was in effect on the application date.

BUSINESS DAY (SEE SECTION 1.05): A Business Day for this Certificate will mean generally any day on which the New York Stock Exchange is open for trading.

PROCESSING DATES (SEE SECTION 1.20): A Processing Date is each Contract Date anniversary.

AVAILABILITY OF INVESTMENT OPTIONS (SEE SECTION 2.04): (See Data pages, Part C;
Allocation Restrictions)

No. 94ICB (Rev 9/00)-SSDCA Data page 2a

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DATA PAGES (CONT'D)

ALLOCATION OF CONTRIBUTIONS (SEE SECTION 3.01): Except as indicated below, your initial and any subsequent Contributions are allocated according to your instructions.

Special Dollar Cost Averaging - Under a Special Dollar Cost Averaging program, you allocate all or any portion of your Contribution to an interest bearing account for the program. We transfer a portion of each amount allocated to the account (including accrued interest) to the Investment Options according to your allocation instructions on a systematic monthly basis, such that all amounts are transferred out of the account by the end of the program. Transfers will be made on a first-in first-out (fifo) basis. Each program is for a six, twelve, or eighteen month period or such other period we may make available to you in the future. The minimum initial amount that you may allocate to the account for a Special Dollar Cost Averaging program is $2,000. The minimum subsequent contribution to an existing program is $250.00. Subsequent Contributions to an existing Special Dollar Cost Averaging program will not extend the expiration date of that program.

You may elect to participate in a Special Dollar Cost Averaging program at any time, but you may have only one program in effect at a time. At the expiration of a Special Dollar Cost Averaging program, you may start a new program.

CONTRIBUTION LIMITS: We will only accept an initial Contribution of at least $5,000 in the form of a rollover Contribution from traditional IRAs, or Roth IRAs, or direct custodian-to-custodian transfers from other Roth IRAs. Subsequent Contributions may be made in an amount of at least $1,000. We will not accept "regular" IRA Contributions to Roth IRAs. Rollover Contributions and direct custodian-to-custodian transfers can be made any time during your lifetime provided you meet certain requirements (see item II. Limits on Contributions in Endorsement Applicable to Roth IRA Certificates). We may refuse to accept any Contribution if the sum of all Contributions under all accumulation Certificates with the same Annuitant would then total more than $1,500,000. We reserve the right to limit aggregate Contributions made after the first Contract Year to 150% of first year Contributions. We may also refuse to accept any Contribution if the sum of all Contributions under all Equitable Life annuity accumulation certificates/contracts that you own would then total more than $2,500,000.

TRANSFER RULES (SEE SECTION 4.02): You may not transfer Annuity Account Value into an account for Special Dollar Cost Averaging. Any request by you to transfer amounts out of an account for Special Dollar Cost Averaging, other than your regularly scheduled transfers to the Investment Options as part of a Special Dollar Cost Averaging program, will terminate that Special Dollar Cost Averaging program. Any amount remaining in the account for Special Dollar Cost Averaging after such a transfer will be transferred to your other Investment Options according to your then current allocation instructions.

No. 94ICB (Rev 9/00)-SSDCA Data page 3

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DATA PAGES (CONT'D)

ALLOCATION OF WITHDRAWALS (SEE SECTION 5.01): Lump Sum Withdrawals - You must provide withdrawal instructions indicating from which Investment Options the Lump Sum Withdrawal and any withdrawal charge will be taken.

Any withdrawal from an account for Special Dollar Cost Averaging will terminate that Special Dollar Cost Averaging program. Any amounts remaining in the account for Special Dollar Cost Averaging after such a withdrawal will be transferred to your other Investment Options according to your then current allocation instructions.

WITHDRAWAL RESTRICTIONS (SEE SECTION 5.01): None.

MINIMUM WITHDRAWAL AMOUNT (SEE SECTION 5.01): Lump Sum Withdrawals minimum - $1,000.

MINIMUM AMOUNT OF ANNUITY ACCOUNT VALUE AFTER A WITHDRAWAL (SEE SECTION 5.02):
Requests for a withdrawal must be for either (a) 90% or less of the Cash Value or (b) 100% of the Cash Value (surrender of the Certificate).

We will NOT exercise our rights, described in Sections 5.02(b) and 5.02(c), to terminate the Certificate.

DEATH BENEFIT AMOUNT (SEE SECTION 6.01):

The death benefit is equal to the Annuity Account Value or, if greater, the Guaranteed Minimum Death Benefit defined below.

Guaranteed Minimum Death Benefit

Annual Ratchet to Age 80 - On the Contract Date, the Guaranteed Minimum Death Benefit is equal to the initial Contribution. Thereafter, on each Contract Date anniversary through your age 80, if the Annuity Account Value is greater than the current Guaranteed Minimum Death Benefit, the Guaranteed Minimum Death Benefit is reset to equal the Annuity Account Value. The Guaranteed Minimum Death Benefit is also adjusted for any subsequent Contributions and withdrawals.

Each withdrawal will cause a reduction in your current Guaranteed Minimum Death Benefit on a pro rata basis.

If the Successor Owner/Annuitant election is made upon the Annuitant's death, the Annuity Account Value will be increased to the then current Guaranteed Minimum Death Benefit if such amount is greater (including any optional Death Benefit Rider amounts, if applicable). The increase, if any, will be allocated in accordance with the current instructions on file. In determining whether the Guaranteed Minimum Death Benefit is still in effect, we will use the age of the Successor Owner/Annuitant as of the date we receive due proof of death of the original Annuitant.

No. 94ICB (Rev 9/00)-SSDCA Data page 4

[GRAPHIC OF WORD "SPECIMEN")

Annuitization Age                 Length of Period Certain
-----------------                 ------------------------
  80 through 81                                9
  82 through 83                                8
  84 through 86                                7
  87 through 89                                6
  90 through 92                                5
  93 through 95                                4

The maximum annuitization age varies by issue age and is shown on Data page 1.

AMOUNT OF ANNUITY BENEFIT (SEE SECTION 7.05): The amount applied to provide the Annuity Benefit will be (1) the Annuity Account Value for any life annuity form or (2) the Cash Value for any period certain only annuity form except that if the period certain is more than five years the amount applied will be no less than 95% of the Annuity Account Value.

INTEREST RATE TO BE APPLIED IN ADJUSTING FOR MISSTATEMENT OF AGE OR SEX (SEE
SECTION 7.06): 6% per year

MINIMUM AMOUNT TO BE APPLIED TO AN ANNUITY (SEE SECTION 7.06): $2,000, as well
as minimum of $20 for initial monthly annuity payment.

GUARANTEED MINIMUM INCOME BENEFIT (SEE SECTION 7.08): You may apply the Annuity Account Value during the period of time indicated below to purchase a minimum amount of guaranteed lifetime income under either (i) our fixed Life Annuity payout option or (ii) our Income Manager (Life Annuity with a Period Certain) level payment payout annuity Certificate. Other options may be available at the time of exercise. The Life Annuity payout option provides annuity payments while you are living. Payments end with the last payment made before your death. Our fixed Joint and Survivor Life Annuity payout option is also available. Payments under the Joint and Survivor Life Annuity payout option end with the last payment made before the surviving Annuitant's death.

The Income Manager (Life Annuity with a Period Certain) level payment payout annuity Certificate provides payments during a period certain with payments continuing for life thereafter. The period certain is based on your age at the time the Income Manager (Life Annuity with a Period Certain) payout annuity is elected. The period certain is 10 years for ages 60 through 75; 9 years for age 76; 8 years for age 77; 7 years for ages 78 through 83; 6 years for age 84; and 5 years for age 85. The Income Manager (Life Annuity with a Period Certain) level payment payout annuity is also available on a joint and survivor basis. The following paragraphs describe the conditions for exercise of the Guaranteed Minimum Income Benefit.

No. 94ICB Data page 5 (rev 3/00 bB)

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DATA PAGES (CONT'D)

The Guaranteed Minimum Income Benefit is available only if it is exercised within 30 days following the 15th or later Contract Date anniversary under this Certificate. However, it may not be exercised later than your age 85.

On the Transaction Date that you exercise the Guaranteed Minimum Income Benefit, the lifetime income that will be provided under the payout option selected will be the greater of (i) your Guaranteed Minimum Income Benefit, and (ii) the amount of income that would be provided by application of the Annuity Account Value as of the Transaction Date at our then current annuity purchase factors.

Guaranteed Minimum Income Benefit Benefit Base - The Guaranteed Minimum Income Benefit benefit base is equal to the initial Contribution on the Contract Date. Thereafter, the Guaranteed Minimum Income Benefit benefit base is credited each day with interest at an annual effective rate of 5% (3% for amounts in the Alliance Money Market Fund, Alliance Intermediate Government Securities Fund and the Guarantee Periods) through your age 80, and 0% thereafter. The Guaranteed Minimum Income Benefit benefit base interest applicable during the period selected for the Special Dollar Cost Averaging Account, if applicable, will be 5%. The Guaranteed Minimum Income Benefit benefit base is also adjusted for any subsequent Contributions and withdrawals. The Guaranteed Minimum Income Benefit benefit base will also be reduced by any withdrawal charge remaining on the Transaction Date that you exercise your Guaranteed Minimum Income Benefit.

The Guaranteed Minimum Income Benefit benefit base is applied to guaranteed minimum annuity purchase factors to determine the Guaranteed Minimum Income Benefit. The guaranteed minimum annuity purchase factors are shown in the attached table.

The Guaranteed Minimum Income Benefit benefit base does not create an Annuity Account Value or a Cash Value and is used solely for purposes of calculating the Guaranteed Minimum Income Benefit.

The current Guaranteed Minimum Income Benefit benefit base will be reduced on a dollar-for-dollar basis as long as the sum of your withdrawals in any Contract Year is 5% or less of the beginning of Contract Year Guaranteed Minimum Death Benefit (described above). Once a withdrawal is made that causes cumulative withdrawals in a Contract Year to exceed 5% of the beginning of Contract Year Guaranteed Minimum Death Benefit, that withdrawal and any subsequent withdrawals in that Contract Year will cause a pro rata reduction to occur.

No. 94ICB Data page 6 (rev 3/00 bB)

[GRAPHIC OF WORD "SPECIMEN")

                                       Current and Maximum
                                          Percentage of
Contract Year                            Contributions
-------------                            -------------
         1                                   7.00%
         2                                   6.00%
         3                                   5.00%
         4                                   4.00%
         5                                   3.00%
         6                                   2.00%
         7                                   1.00%
    8 and later                              0.00%

The applicable withdrawal charge percentage is determined by the Contract Year in which the withdrawal is made or the Certificate is surrendered, beginning with "Contract Year 1" with respect to each Contribution withdrawn or surrendered. For purposes of the table, for each Contribution, the Contract Year in which we receive that Contribution is "Contract Year 1."

Withdrawal charges will be deducted from the Investment Options from which each withdrawal is made in proportion to the amount being withdrawn from each Investment Option.

FREE CORRIDOR AMOUNT (SEE SECTION 8.01): 15% of Annuity Account Value at the beginning of the Contract Year minus any amount previously withdrawn during the Contract Year. Amounts withdrawn up to the Free Corridor Amount will not be deemed a withdrawal of Contributions.

Withdrawals in excess of the Free Corridor Amount will be deemed withdrawals of Contributions in the order in which they were made (that is, the first-in, first-out basis will apply).

The Free Corridor Amount does not apply when calculating the withdrawal charge applicable upon a surrender.

No. 94ICB Data page 7 (2/00)

[GRAPHIC OF WORD "SPECIMEN")

DATA PAGES (CONT'D)

NO WITHDRAWAL CHARGES WILL APPLY IN THESE EVENTS:

1. the Annuitant has qualified to receive Social Security disability benefits as certified by the Social Security Administration;

2. you give us proof that the Annuitant's life expectancy is six months or less (such proof must include, but is not limited to, certification by a licensed physician);

3. the Annuitant has been confined to a nursing home for more than 90 days as verified by a licensed physician. A nursing home for this purpose means one which is (i) approved by Medicare as a provider of skilled nursing care service, or (ii) licensed as a skilled nursing home by the state or territory in which it is located (it must be within the United States, Puerto Rico, U. S. Virgin Islands, or Guam) and meets all the following:

o its main function is to provide skilled, intermediate or custodial nursing care;

o it provides continuous room and board to three or more persons;

o it is supervised by a registered nurse or practical nurse;

o it keeps daily medical records of each patient;

o it controls and records all medications dispensed; and

o its primary service is other than to provide housing for residents.

4. the Successor Owner/Annuitant option is elected and exercised, and the Successor Owner/Annuitant withdraws Contributions made by the Annuitant prior to the Annuitant's death.

The withdrawal charge will apply with respect to a Contribution if the condition as described above (excluding the 4th listed item) existed at the time the Contribution was remitted or if the condition began within the 12 month period following remittance.

CHARGES DEDUCTED FROM ANNUITY ACCOUNT VALUE (SEE SECTION 8.02):

(a) Combined Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit Charge: For providing the Combined Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit we will deduct annually on each Processing Date an amount equal to 0.30% of the Guaranteed Minimum Income Benefit benefit base (described above) in effect on such Processing Date. 0.30% is the maximum we will charge.

(b) Charges for State Premium and Other Applicable Taxes: A charge for applicable taxes, such as state or local premium taxes generally will be deducted from the amount applied to provide an Annuity Benefit under Section 7.02. In certain states, however, we may deduct the charge from Contributions rather than at the Annuity Commencement Date.

No. 94ICB Data page 8

[GRAPHIC OF WORD "SPECIMEN")

DATA PAGES (CONT'D)

The above charges will be deducted from the Annuity Account Value in the Investment Funds on a pro rata basis. If there is insufficient value in the Investment Funds, all or a portion of the charges will be deducted from the Annuity Account Value with respect to the Guarantee Periods in order of the earliest Expiration Date(s) first.

                  Current and Maximum        Annual rate of 1.10% (equivalent to
                                             a daily rate of 0.003032%).

Administration Charge:
                  Current and Maximum        Annual rate of 0.25% (equivalent
                                             to a daily rate of 0.000692%).
                                             We reserve the right to increase
                                             this charge to an annual rate of
                                             0.35%.

Distribution Charge:
                  Current and Maximum        Annual rate of 0.20% (equivalent
                                             to a daily rate of 0.000556%).

No. 94ICB Data page 9 (2/00)

[GRAPHIC OF WORD "SPECIMEN")

DATA PAGES (CONT'D)

PART C -- THIS PART LISTS THE TERMS WHICH APPLY TO THE ENDORSEMENT APPLICABLE TO

------ MARKET VALUE ADJUSTMENT TERMS (MVA ENDORSEMENT).

ALLOCATION RESTRICTIONS (SEE SECTION 3.01): If you are age 76 or older, allocations may be made only to Guarantee Periods with maturities of five years or less; however, in no event may allocations be made to Guarantee Periods with maturities beyond the February 15th immediately following the Annuity Commencement Date.

TRANSFERS AT EXPIRATION DATE (SEE ITEM 1 OF MVA ENDORSEMENT): If no election is made with respect to amounts in the Guaranteed Period Account as of the Expiration Date, such amounts will be transferred into the Guarantee Period with the earliest Expiration Date.

MARKET VALUE ADJUSTMENT (MVA) ON TRANSFERS AND WITHDRAWALS (SEE ITEM 2 OF MVA ENDORSEMENT): The MVA (positive or negative) resulting from a withdrawal or transfer of a portion of the amount in a Guarantee Period will be a percentage of the MVA that would be applicable upon a withdrawal of all of the Annuity Account Value from a Guarantee Period. This percentage is determined by (i) dividing the amount of the withdrawal or transfer from the Guarantee Period by
(ii) the Annuity Account Value in such Guarantee Period prior to the withdrawal or transfer.

TRANSFER RULES (SEE SECTION 4.02): Transfers may not be made to a Guarantee Period maturing in the current calendar year. Guarantee Periods to which transfers may be made are limited based on your attained age (see Allocation Restrictions above).

MVA FORMULA (SEE ITEM 3 OF MVA ENDORSEMENT): The Guaranteed Rate for new allocations to a Guarantee Period is the rate we have in effect for this purpose even if new allocations to that Guarantee Period would not be accepted at the time. This rate will not be less than 3%.

The current rate percentage we use in item (c) of the formula is 0.00%. For purposes of calculating the MVA only, we reserve the right to add up to 0.25% to such current rate percentage.

SEPARATE ACCOUNT (SEE ITEM 5 OF MVA ENDORSEMENT): The portion of the assets of Separate Account No. 46 equal to the reserves and other contract liabilities will not be chargeable with liabilities which arise out of any other business we conduct.

No. 94ICBMVA Data page 10 (2/00)

[GRAPHIC OF WORD "SPECIMEN")

                             PURCHASE FACTORS                                             PURCHASE FACTORS

                   LIFE ANNUITY WITH                                            LIFE ANNUITY WITH
ELECTION AGE       A PERIOD CERTAIN      LIFE ANNUITY        ELECTION AGE       A PERIOD CERTAIN      LIFE ANNUITY
------------       ----------------      ------------        ------------       ----------------      ------------
    35                  3.55%               3.56%                60                     4.94%             5.15%
    36                  3.58                3.59                 61                     5.02              5.26
    37                  3.62                3.63                 62                     5.11              5.38
    38                  3.65                3.67                 63                     5.20              5.51
    39                  3.69                3.71                 64                     5.30              5.64
    40                  3.74                3.76                 65                     5.40              5.79
    41                  3.77                3.80                 66                     5.50              5.94
    42                  3.82                3.85                 67                     5.60              6.10
    43                  3.87                3.90                 68                     5.70              6.27
    44                  3.91                3.95                 69                     5.81              6.45
    45                  3.96                4.00                 70                     5.91              6.64
    46                  4.02                4.06                 71                     6.02              6.84
    47                  4.06                4.11                 72                     6.12              7.06
    48                  4.11                4.17                 73                     6.21              7.28
    49                  4.17                4.23                 74                     6.31              7.51
    50                  4.23                4.30                 75                     6.40              7.76
    51                  4.29                4.37                 76                     6.69              8.03
    52                  4.35                4.44                 77                     7.01              8.31
    53                  4.41                4.51                 78                     7.38              8.61
    54                  4.48                4.59                 79                     7.53              8.93
    55                  4.55                4.67                 80                     7.67              9.27
    56                  4.62                4.76                 81                     7.81              9.64
    57                  4.69                4.85                 82                     7.93             10.02
    58                  4.77                4.94                 83                     8.05             10.43
    59                  4.84                5.04                 84                     8.60             10.87
                                                                 85                     9.25             11.34

Other forms of annuities may be available.

No. 94ICB Data page 11 (rev 3/00 bB)

[GRAPHIC OF WORD "SPECIMEN")

EQUITABLE ACCUMULATOR (NQ)

DATA

OWNER: John Doe

ANNUITANT: John Doe Age: 61 Sex: Male

                         Endorsement Applicable to Non-Qualified Certificates
                         Endorsement Applicable to Market Value Adjustment Terms
                         Rider to Endorsement Applicable to Market Value
                         Adjustment Terms
                         Protection Plus Optional Death Benefit Rider

  ISSUE DATE:               January 8, 2001

  CONTRACT DATE:            January 8, 2001

ANNUITY COMMENCEMENT DATE:  March 20, 2025

THE MAXIMUM MATURITY AGE IS AGE 90 -- SEE SECTION 7.03.

The Annuity Commencement Date may not be later than the Processing Date which follows the Annuitant's 90th birthday.

GUARANTEED BENEFITS: Combined Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit (5% Roll Up to Age 80)

BENEFICIARY: Jane Doe

No. 94ICB Data page 1 (2/00)

INVESTMENT OPTIONS                                 ALLOCATION (SEE SECTION 3.01)
------------------                                 -----------------------------
o  Alliance Common Stock Fund                                $25,000.00
o  Alliance Conservative Investors Fund
o  Alliance Global Fund
o  Alliance Growth and Income Fund
o  Alliance Growth Investors Fund
o  Alliance High Yield Fund
o  Alliance Intermediate Government Securities Fund
o  Alliance International Fund
o  Alliance Money Market Fund
o  Alliance Small Cap Growth Fund
o  Capital Guardian Research Fund
o  Capital Guardian U.S. Equity Fund
o  EQ Equity 500 Index Fund
o  EQ International Equity Index Fund
o  EQ Small Company Index Fund
o  EQ/Aggressive Stock Fund
o  EQ/Alliance Premier Growth Fund
o  EQ/Alliance Technology Fund
o  EQ/AXP New Dimensions Fund
o  EQ/AXP Strategy Aggressive Fund
o  EQ/Evergreen Foundation Fund
o  EQ/Evergreen Fund
o  EQ/Janus Large Cap Growth Fund
o  EQ/Putnam Balanced Fund
o  EQ/Putnam Growth & Income Value Fund
o  FI Mid Cap Fund
o  FI Small/Mid Cap Value Fund
o  Mercury Basic Value Equity Fund
o  Mercury World Strategy Fund
o  MFS Emerging Growth Companies Fund
o  MFS Growth with Income Fund
o  MFS Research Fund
o  Morgan Stanley Emerging Markets Equity Fund
o  T. Rowe Price Equity Income Fund
o  T. Rowe Price International Stock Fund

No. 94ICB                                         Data page 2         (2/00)

[GRAPHIC OF WORD "SPECIMEN")

DATA PAGES (CONT'D)

                                                   ALLOCATION (SEE SECTION 3.01)
                                                   -----------------------------

o  GUARANTEE PERIODS (CLASS II)
   EXPIRATION DATE AND GUARANTEED RATE

   February 15, 2002
   February 15, 2003
   February 15, 2004
   February 15, 2005
   February 15, 2006
   February 15, 2007
   February 15, 2008
   February 15, 2009
   February 15, 2010
   February 15, 2011

                                                   --------------------------

TOTAL: $25,000.00

Investment Options shown are Investment Funds of our Separate Account No. 45 and Guarantee Periods shown are in the Guaranteed Period Account. See Endorsement Applicable to Market Value Adjustment Terms.

"TYPES" OF INVESTMENT OPTIONS (SEE SECTION 4.02): Not applicable

GUARANTEED INTEREST ACCOUNT (SEE SECTION 2.01): Any amount held in an account for Special Dollar Cost Averaging becomes part of our general assets, which support the guarantees of this Certificate and other Certificates. We will credit the amount of each Contribution allocated to and remaining in an account for Special Dollar Cost Averaging with interest at the effective annual rate that was applicable to your program on the Transaction Date of the Contribution. We may set different rates for programs of different duration.

BUSINESS DAY (SEE SECTION 1.05): A Business Day for this Certificate will mean generally any day on which the New York Stock Exchange is open for trading.

PROCESSING DATES (SEE SECTION 1.20): A Processing Date is each Contract Date anniversary.

No. 94ICB (Rev 9/00)-SSDCA Data page 2a

[GRAPHIC OF WORD "SPECIMEN")

DATA PAGES (CONT'D)

AVAILABILITY OF INVESTMENT OPTIONS (SEE SECTION 2.04): (See Data pages, Part C;
Allocation Restrictions)

ALLOCATION OF CONTRIBUTIONS (SEE SECTION 3.01): Except as indicated below, your initial and any subsequent Contributions are allocated according to your instructions.

Special Dollar Cost Averaging - Under a Special Dollar Cost Averaging program, you allocate all or any portion of your Contribution to an interest bearing account for the program. We transfer a portion of each amount allocated to the account (including accrued interest) to the Investment Options according to your allocation instructions on a systematic monthly basis, such that all amounts are transferred out of the account by the end of the program. Transfers will be made on a first-in first-out (fifo) basis. Each program is for a six, twelve, or eighteen month period or such other period we may make available to you in the future. The minimum initial amount that you may allocate to the account for a Special Dollar Cost Averaging program is $2,000. The minimum subsequent contribution to an existing program is $250.00. Subsequent Contributions to an existing Special Dollar Cost Averaging program will not extend the expiration date of that program.

You may elect to participate in a Special Dollar Cost Averaging program at any time, but you may have only one program in effect at a time. At the expiration of a Special Dollar Cost Averaging program, you may start a new program.

CONTRIBUTION LIMITS (SEE SECTION 3.02): Initial Contribution minimum: $25,000. Subsequent Contribution minimum: $1,000. Subsequent Contributions can be made at any time up until the Annuitant attains age 84. We may refuse to accept any Contribution if the sum of all Contributions under all accumulation Certificates with the same Annuitant would then total more than $1,500,000. We reserve the right to limit aggregate Contributions made after the first Contract Year to 150% of first year Contributions. We may also refuse to accept any Contribution if the sum of all Contributions under all Equitable Life annuity accumulation certificates/contracts that you own would then total more than $2,500,000.

TRANSFER RULES (SEE SECTION 4.02): You may not transfer Annuity Account Value into an account for Special Dollar Cost Averaging. Any request by you to transfer amounts out of an account for Special Dollar Cost Averaging, other than your regularly scheduled transfers to the Investment Options as part of a Special Dollar Cost Averaging program, will terminate that Special Dollar Cost Averaging program. Any amount remaining in the account for Special Dollar Cost Averaging after such a transfer will be transferred to your other Investment Options according to your then current allocation instructions.

No. 94ICB (Rev 9/00)-SSDCA Data page 3

[GRAPHIC OF WORD "SPECIMEN")

DATA PAGES (CONT'D)

ALLOCATION OF WITHDRAWALS (SEE SECTION 5.01): Lump Sum Withdrawals - You must provide withdrawal instructions indicating from which Investment Options the Lump Sum Withdrawal and any withdrawal charge will be taken.

Any withdrawal from an account for Special Dollar Cost Averaging will terminate that Special Dollar Cost Averaging program. Any amounts remaining in the account for Special Dollar Cost Averaging after such a withdrawal will be transferred to your other Investment Options according to your then current allocation instructions.

WITHDRAWAL RESTRICTIONS (SEE SECTION 5.01): Systematic Withdrawals - May not start sooner than 28 days after issue of this Certificate. You may elect to receive Systematic Withdrawals on a monthly, quarterly or annual basis subject to a maximum of 1.2% monthly, 3.6% quarterly and 15.0% annually of the Annuity Account Value as of the Transaction Date.

MINIMUM WITHDRAWAL AMOUNT (SEE SECTION 5.01): Lump Sum Withdrawals minimum - $1,000; Systematic Withdrawals minimum - $250.

MINIMUM AMOUNT OF ANNUITY ACCOUNT VALUE AFTER A WITHDRAWAL (SEE SECTION 5.02):
Requests for a withdrawal must be for either (a) 90% or less of the Cash Value or (b) 100% of the Cash Value (surrender of the Certificate).

We will NOT exercise our rights, described in Sections 5.02(b) and 5.02(c), to terminate the Certificate.

DEATH BENEFIT AMOUNT (SEE SECTION 6.01): The death benefit is equal to the Annuity Account Value or, if greater, the Guaranteed Minimum Death Benefit defined below.

Guaranteed Minimum Death Benefit

5% Roll Up to Age 80 - On the Contract Date, the Guaranteed Minimum Death Benefit is equal to the initial Contribution. Thereafter, the Guaranteed Minimum Death Benefit is credited each day with interest at an annual effective rate of 5% (3% for amounts in the Alliance Money Market Fund, Alliance Intermediate Government Securities Funds and the Guarantee Periods) through the Annuitant's age 80 (or at the Annuitant's death, if earlier), and 0% thereafter. The Guaranteed Minimum Death Benefit interest applicable during the period selected for the Special Dollar Cost Averaging Account, if applicable, will be 5%. The Guaranteed Minimum Death Benefit is also adjusted for any subsequent Contributions and withdrawals.

Effect of Withdrawals under Roll Up Option - The current Guaranteed Minimum Death Benefit will be reduced on a dollar-for-dollar basis as long as the sum of your withdrawals in any Contract Year is 5% or less of the beginning of Contract Year Guaranteed Minimum Death Benefit. Once a withdrawal is made that causes cumulative withdrawals in a Contract Year to exceed 5% of the beginning of Contract Year Guaranteed Minimum Death Benefit, that withdrawal and any subsequent withdrawals in that Contract Year will cause a pro rata reduction to occur.

No. 94ICB (Rev 9/00)-SSDCA Data page 4

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DATA PAGES (CONT'D)

Upon the death of the Owner who is also the Annuitant, any death benefit applied as an annuity benefit will be paid out over the life of the Beneficiary or for a period not extending beyond the Beneficiary's life expectancy and payments must begin within one year after such Owner's death.

If the Successor Owner/Annuitant election is made upon the Annuitant's death, the Annuity Account Value will be increased to the then current Guaranteed Minimum Death Benefit if such amount is greater (including any optional Death Benefit Rider amounts, if applicable). The increase, if any, will be allocated in accordance with the current instructions on file. In determining whether the Guaranteed Minimum Death Benefit is still in effect, we will use the age of the Successor Owner/Annuitant as of the date we receive due proof of death of the original Annuitant.

NORMAL FORM OF ANNUITY (SEE SECTION 7.04): The Normal Form of Annuity is Life Annuity 10 Year Period Certain for annuitization ages up to age 79. For annuitization ages 80 and older, the following applies:

Annuitization Age                   Length of Period Certain
-----------------                   ------------------------
  80 through 81                                  9
  82 through 83                                  8
  84 through 86                                  7
  87 through 89                                  6
  90 through 92                                  5
  93 through 95                                  4

The maximum annuitization age varies by issue age and is shown on Data page 1.

AMOUNT OF ANNUITY BENEFIT (SEE SECTION 7.05): The amount applied to provide the Annuity Benefit will be (1) the Annuity Account Value for any life annuity form or (2) the Cash Value for any period certain only annuity form except that if the period certain is more than five years the amount applied will be no less than 95% of the Annuity Account Value.

INTEREST RATE TO BE APPLIED IN ADJUSTING FOR MISSTATEMENT OF AGE OR SEX (SEE
SECTION 7.06): 6% per year

MINIMUM AMOUNT TO BE APPLIED TO AN ANNUITY (SEE SECTION 7.06): $2,000, as well
as minimum of $20 for initial monthly annuity payment.

No. 94ICB Data page 5 (2/00)

[GRAPHIC OF WORD "SPECIMEN")

DATA PAGES (CONT'D)

GUARANTEED MINIMUM INCOME BENEFIT (SEE SECTION 7.08): You may apply the Annuity Account Value during the period of time indicated below to purchase a minimum amount of guaranteed lifetime income under either (i) our fixed Life Annuity payout option or (ii) our Income Manager (Life Annuity with a Period Certain) level payment payout annuity Certificate. Other options may be available at the time of exercise. The Life Annuity payout option provides annuity payments while the Annuitant is living. Payments end with the last payment made before the Annuitant's death. Our fixed Joint and Survivor Life Annuity payout option is also available. Payments under the Joint and Survivor Life Annuity payout option end with the last payment made before the surviving Annuitant's death.

The Income Manager (Life Annuity with a Period Certain) level payment payout annuity Certificate provides payments during a period certain with payments continuing for life thereafter. The period certain is based on the Annuitant's age at the time the Income Manager (Life Annuity with a Period Certain) payout annuity is elected. The period certain is 10 years for ages 60 through 75; 9 years for age 76; 8 years for age 77; 7 years for ages 78 through 83; 6 years for age 84; and 5 years for age 85. The Income Manager (Life Annuity with a Period Certain) level payment payout annuity is also available on a joint and survivor basis. The following paragraphs describe the conditions for exercise of the Guaranteed Minimum Income Benefit.

The Guaranteed Minimum Income Benefit is available only if it is exercised within 30 days following the 10th or later Contract Date anniversary under this Certificate. However, it may not be exercised later than the Annuitant's age 85.

On the Transaction Date that you exercise the Guaranteed Minimum Income Benefit, the lifetime income that will be provided under the payout option selected will be the greater of (i) your Guaranteed Minimum Income Benefit, and (ii) the amount of income that would be provided by application of the Annuity Account Value as of the Transaction Date at our then current annuity purchase factors.

Guaranteed Minimum Income Benefit Benefit Base - The Guaranteed Minimum Income Benefit benefit base is equal to the initial Contribution on the Contract Date. Thereafter, the Guaranteed Minimum Income Benefit benefit base is credited each day with interest at an annual effective rate of 5% (3% for amounts in the Alliance Money Market Fund, Alliance Intermediate Government Securities Funds and the Guarantee Periods) through the Annuitant's age 80, and 0% thereafter. The Guaranteed Minimum Income Benefit benefit base interest applicable during the period selected for the Special Dollar Cost Averaging Account, if applicable, will be 5%. The Guaranteed Minimum Income Benefit benefit base is also adjusted for any subsequent Contributions and withdrawals. The Guaranteed Minimum Income Benefit benefit base will also be reduced by any withdrawal charge remaining on the Transaction Date that you exercise your Guaranteed Minimum Income Benefit.

The Guaranteed Minimum Income Benefit benefit base is applied to guaranteed minimum annuity purchase factors to determine the Guaranteed Minimum Income Benefit. The guaranteed minimum annuity purchase factors are shown in the attached table.

No. 94ICB Data page 6 (rev 3/00 bB)

[GRAPHIC OF WORD "SPECIMEN")

DATA PAGES (CONT'D)

The Guaranteed Minimum Income Benefit benefit base does not create an Annuity Account Value or a Cash Value and is used solely for purposes of calculating the Guaranteed Minimum Income Benefit.

The current Guaranteed Minimum Income Benefit benefit base will be reduced on a dollar-for-dollar basis as long as the sum of your withdrawals in any Contract Year is 5% or less of the beginning of Contract Year Guaranteed Minimum Death Benefit (described above). Once a withdrawal is made that causes cumulative withdrawals in a Contract Year to exceed 5% of the beginning of Contract Year Guaranteed Minimum Death Benefit, that withdrawal and any subsequent withdrawals in that Contract Year will cause a pro rata reduction to occur.

WITHDRAWAL CHARGES (SEE SECTION 8.01): A withdrawal charge will be imposed as a percentage of each Contribution made to the extent that a withdrawal exceeds the Free Corridor Amount as discussed in Section 8.01 or, if the Certificate is surrendered to receive the Cash Value. We determine the withdrawal charge separately for each Contribution in accordance with the table below.

                              Current and Maximum
                                 Percentage of
Contract Year                    Contributions
-------------                    -------------
       1                            7.00%
       2                            6.00%
       3                            5.00%
       4                            4.00%
       5                            3.00%
       6                            2.00%
       7                            1.00%
  8 and later                       0.00%

The applicable withdrawal charge percentage is determined by the Contract Year in which the withdrawal is made or the Certificate is surrendered, beginning with "Contract Year 1" with respect to each Contribution withdrawn or surrendered. For purposes of the table, for each Contribution, the Contract Year in which we receive that Contribution is "Contract Year 1."

Withdrawal charges will be deducted from the Investment Options from which each withdrawal is made in proportion to the amount being withdrawn from each Investment Option.

FREE CORRIDOR AMOUNT (SEE SECTION 8.01): 15% of Annuity Account Value at the beginning of the Contract Year minus any amount previously withdrawn during the Contract Year. Amounts withdrawn up to the Free Corridor Amount will not be deemed a withdrawal of Contributions.

Withdrawals in excess of the Free Corridor Amount will be deemed withdrawals of Contributions in the order in which they were made (that is, the first-in, first-out basis will apply).

The Free Corridor Amount does not apply when calculating the withdrawal charge applicable upon a surrender.

No. 94ICB Data page 7 (rev 3/00 bB)

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DATA PAGES (CONT'D)

NO WITHDRAWAL CHARGES WILL APPLY IN THESE EVENTS:

1. the Annuitant has qualified to receive Social Security disability benefits as certified by the Social Security Administration;

2. you give us proof that the Annuitant's life expectancy is six months or less (such proof must include, but is not limited to, certification by a licensed physician);

3. the Annuitant has been confined to a nursing home for more than 90 days as verified by a licensed physician. A nursing home for this purpose means one which is (i) approved by Medicare as a provider of skilled nursing care service, or (ii) licensed as a skilled nursing home by the state or territory in which it is located (it must be within the United States, Puerto Rico, U. S. Virgin Islands, or Guam) and meets all the following:

o its main function is to provide skilled, intermediate or custodial nursing care;
o it provides continuous room and board to three or more persons;
o it is supervised by a registered nurse or practical nurse;
o it keeps daily medical records of each patient;
o it controls and records all medications dispensed; and
o its primary service is other than to provide housing for residents.

4. the Successor Owner/Annuitant option is elected and exercised, and the Successor Owner/Annuitant withdraws Contributions made by the Annuitant prior to the Annuitant's death.

The withdrawal charge will apply with respect to a Contribution if the condition as described above (excluding the 4th listed item) existed at the time the Contribution was remitted or if the condition began within the 12 month period following remittance.

CHARGES DEDUCTED FROM ANNUITY ACCOUNT VALUE (SEE SECTION 8.02):

(a) Combined Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit Charge: For providing the Combined Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit we will deduct annually on each Processing Date an amount equal to 0.30% of the Guaranteed Minimum Income Benefit benefit base (described above) in effect on such Processing Date. 0.30% is the maximum we will charge.

(b) For providing the Protection Plus Death Benefit, we will deduct annually on each Processing Date an amount equal to 0.20% of the Annuity Account Value in effect on such Processing Date.

No. 94ICB (Rev 9/00) Data page 8

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DATA PAGES (CONT'D)

(c) Charges for State Premium and Other Applicable Taxes: A charge for applicable taxes, such as state or local premium taxes generally will be deducted from the amount applied to provide an Annuity Benefit under Section 7.02. In certain states, however, we may deduct the charge from Contributions rather than at the Annuity Commencement Date.

The above charges will be deducted from the Annuity Account Value in the Investment Funds on a pro rata basis. If there is insufficient value in the Investment Funds, all or a portion of the charges will be deducted from the Annuity Account Value with respect to the Guarantee Periods in order of the earliest Expiration Date(s) first.

                  Current and Maximum         Annual rate of 1.10% (equivalent
                                              to a daily rate of 0.003032%).

Administration Charge:
                  Current and Maximum         Annual rate of 0.25% (equivalent
                                              to a daily rate of 0.000692%).
                                              We reserve the right to increase
                                              this charge to an annual rate of
                                              0.35%.

Distribution Charge:
                  Current and Maximum         Annual rate of 0.20% (equivalent
                                              to a daily rate of 0.000556%).

No. 94ICB Data page 9 (2/00)

[GRAPHIC OF WORD "SPECIMEN")

DATA PAGES (CONT'D)

PART C -- THIS PART LISTS THE TERMS WHICH APPLY TO THE ENDORSEMENT APPLICABLE TO

------ MARKET VALUE ADJUSTMENT TERMS (MVA ENDORSEMENT.

ALLOCATION RESTRICTIONS (SEE SECTION 3.01): If the Annuitant is age 76 or older, allocations may be made only to Guarantee Periods with maturities of five years or less; however, in no event may allocations be made to Guarantee Periods with maturities beyond the February 15th immediately following the Annuity Commencement Date.

TRANSFERS AT EXPIRATION DATE (SEE ITEM 1 OF MVA ENDORSEMENT): If no election is made with respect to amounts in the Guaranteed Period Account as of the Expiration Date, such amounts will be transferred into the Guarantee Period with the earliest Expiration Date.

MARKET VALUE ADJUSTMENT (MVA) ON TRANSFERS AND WITHDRAWALS (SEE ITEM 2 OF MVA ENDORSEMENT): The MVA (positive or negative) resulting from a withdrawal or transfer of a portion of the amount in a Guarantee Period will be a percentage of the MVA that would be applicable upon a withdrawal of all of the Annuity Account Value from a Guarantee Period. This percentage is determined by (i) dividing the amount of the withdrawal or transfer from the Guarantee Period by
(ii) the Annuity Account Value in such Guarantee Period prior to the withdrawal or transfer.

TRANSFER RULES (SEE SECTION 4.02): Transfers may not be made to a Guarantee Period maturing in the current calendar year. Guarantee Periods to which transfers may be made are limited based on the attained age of the Annuitant (see Allocation Restrictions above).

MVA FORMULA (SEE ITEM 3 OF MVA ENDORSEMENT): The Guaranteed Rate for new allocations to a Guarantee Period is the rate we have in effect for this purpose even if new allocations to that Guarantee Period would not be accepted at the time. This rate will not be less than 3%.

The current rate percentage we use in item (c) of the formula is 0.00%. For purposes of calculating the MVA only, we reserve the right to add up to 0.25% to such current rate percentage.

SEPARATE ACCOUNT (SEE ITEM 5 OF MVA ENDORSEMENT): The portion of the assets of Separate Account No. 46 equal to the reserves and other contract liabilities will not be chargeable with liabilities which arise out of any other business we conduct.

DATA PAGES (CONT'D)

                        GUARANTEED MINIMUM INCOME BENEFIT
                       TABLE OF GUARANTEED MINIMUM ANNUITY
                                PURCHASE FACTORS
                         FOR INITIAL LEVEL ANNUAL INCOME
                               SINGLE LIFE - MALE

                                                 PURCHASE FACTORS
                                  --------------------------------------
                                  LIFE ANNUITY WITH
      ELECTION AGE                A PERIOD CERTAIN          LIFE ANNUITY
      ------------                ----------------          ------------
          60                          4.93%                    5.15%
          61                          5.02                     5.26
          62                          5.11                     5.38
          63                          5.20                     5.51
          64                          5.30                     5.64
          65                          5.40                     5.79
          66                          5.50                     5.94
          67                          5.60                     6.10
          68                          5.71                     6.27
          69                          5.81                     6.45
          70                          5.91                     6.64
          71                          6.02                     6.84
          72                          6.12                     7.06
          73                          6.21                     7.28
          74                          6.31                     7.51
          75                          6.41                     7.76
          76                          6.50                     8.03
          77                          6.59                     8.31
          78                          6.67                     8.61
          79                          6.74                     8.93
          80                          6.81                     9.27
          81                          7.16                     9.64
          82                          7.57                    10.02
          83                          8.05                    10.43
          84                          8.60                    10.87
          85                          9.25                    11.34

Other forms of annuities may be available.

No. 94ICB Data page 11 (rev 3/00 bB)

[GRAPHIC OF WORD "SPECIMEN")

EQUITABLE ACCUMULATOR (QP - DEFINED CONTRIBUTION)

DATA

OWNER: Richard Roe As Trustee for the XYZ Qualified Plan

ANNUITANT: John Doe Age: 61 Sex: Male

CONTRACT: GROUP ANNUITY CONTRACT NO. AC 6725

CERTIFICATE NUMBER: 00000

ENDORSEMENTS ATTACHED: Minimum Income Benefit Endorsement

                         Endorsement Applicable to Qualified Plan Certificates
                         Endorsement Applicable to Market Value Adjustment Terms
                         Rider to Endorsement Applicable to Market Value
                         Adjustment Terms

 ISSUE DATE:               January 8, 2001

 CONTRACT DATE:            January 8, 2001

ANNUITY COMMENCEMENT DATE: March 20, 2025

THE MAXIMUM MATURITY AGE IS AGE 90 -- SEE SECTION 7.03.

The Annuity Commencement Date may not be later than the Processing Date which follows the Annuitant's 90th birthday.

However, any distribution option under this Certificate must meet any minimum distribution requirements under Section 401(a)(9) of the Code which apply after the "Required Beginning Date" which is April 1st following the calendar year which is generally the later of the year in which the Annuitant (i) attains age 70 1/2 or (ii) retires from service of the employer sponsoring the Plan.

GUARANTEED BENEFITS:   Combined Guaranteed Minimum Income Benefit
                       and Guaranteed Minimum Death Benefit (Annual Ratchet to
                       Age 80)

BENEFICIARY:   Richard Roe As Trustee for the XYZ Qualified Plan

No. 94ICB                                     Data page 1               (2/00)

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DATA PAGES (CONT'D)

INITIAL CONTRIBUTION RECEIVED (SEE SECTION 3.02): $25,000.00

INVESTMENT OPTIONS AVAILABLE (SEE PART II); YOUR ALLOCATION IS ALSO SHOWN.

No. 94ICB Data page 2 (2/00)

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DATA PAGES (CONT'D)

o GUARANTEE PERIODS (CLASS II) EXPIRATION DATE AND GUARANTEED RATE

February 15, 2002

February 15, 2003
February 15, 2004
February 15, 2005
February 15, 2006
February 15, 2007
February 15, 2008
February 15, 2009
February 15, 2010
February 15, 2011

Investment Options shown are Investment Funds of our Separate Account No. 45 and Guarantee Periods shown are in the Guaranteed Period Account. See Endorsement Applicable to Market Value Adjustment Terms.

"TYPES" OF INVESTMENT OPTIONS (SEE SECTION 4.02): Not applicable

GUARANTEED INTEREST ACCOUNT (SEE SECTION 2.01): Any amount held in an account for Special Dollar Cost Averaging becomes part of our general assets, which support the guarantees of this Certificate and other Certificates. We will credit the amount of each Contribution allocated to and remaining in an account for Special Dollar Cost Averaging with interest at the effective annual rate that was applicable to your program on the Transaction Date of the Contribution. We may set different rates for programs of different duration.

BUSINESS DAY (SEE SECTION 1.05): A Business Day for this Certificate will mean generally any day on which the New York Stock Exchange is open for trading.

PROCESSING DATES (SEE SECTION 1.20): A Processing Date is each Contract Date anniversary.

No. 94ICB (Rev 9/00)-SSDCA Data page 2a

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DATA PAGES (CONT'D)

AVAILABILITY OF INVESTMENT OPTIONS (SEE SECTION 2.04): (See Data pages, Part C;
Allocation Restrictions)

ALLOCATION OF CONTRIBUTIONS (SEE SECTION 3.01): Except as indicated below, your initial and any subsequent Contributions are allocated according to your instructions.

Special Dollar Cost Averaging - Under a Special Dollar Cost Averaging program, you allocate all or any portion of your Contribution to an interest bearing account for the program. We transfer a portion of each amount allocated to the account (including accrued interest) to the Investment Options according to your allocation instructions on a systematic monthly basis, such that all amounts are transferred out of the account by the end of the program. Transfers will be made on a first-in first-out (fifo) basis. Each program is for a six, twelve, or eighteen month period or such other period we may make available to you in the future. The minimum initial amount that you may allocate to the account for a Special Dollar Cost Averaging program is $2,000. The minimum subsequent contribution to an existing program is $250.00. Subsequent Contributions to an existing Special Dollar Cost Averaging program will not extend the expiration date of that program.

You may elect to participate in a Special Dollar Cost Averaging program at any time, but you may have only one program in effect at a time. At the expiration of a Special Dollar Cost Averaging program, you may start a new program.

CONTRIBUTION LIMITS (SEE SECTION 3.02): Initial Contribution minimum: $5,000. Subsequent Contribution minimum: $1,000. Subsequent Contributions can be made at any time up until the Annuitant attains age 76. We may refuse to accept any Contribution if the sum of all Contributions under all accumulation Certificates with the same Annuitant would then total more than $1,500,000. We reserve the right to limit aggregate Contributions made after the first Contract Year to 150% of first year Contributions. We may also refuse to accept any Contribution if the sum of all Contributions under all Equitable Life annuity accumulation certificates/contracts that you own would then total more than $2,500,000.

TRANSFER RULES (SEE SECTION 4.02): You may not transfer Annuity Account Value into an account for Special Dollar Cost Averaging. Any request by you to transfer amounts out of an account for Special Dollar Cost Averaging, other than your regularly scheduled transfers to the Investment Options as part of a Special Dollar Cost Averaging program, will terminate that Special Dollar Cost Averaging program. Any amount remaining in the account for Special Dollar Cost Averaging after such a transfer will be transferred to your other Investment Options according to your then current allocation instructions.

No. 94ICB (Rev 9/00)-SSDCA Data page 3

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DATA PAGES (CONT'D)

ALLOCATION OF WITHDRAWALS (SEE SECTION 5.01): Lump Sum Withdrawals - You must provide withdrawal instructions indicating from which Investment Options the Lump Sum Withdrawal and any withdrawal charge will be taken; Minimum Distribution Withdrawals - Unless you specify otherwise, Minimum Distribution Withdrawals will be withdrawn on a pro rata basis from your Annuity Account Value in the Investment Funds. If there is insufficient value or no value in the Investment Funds, any additional amount of the withdrawal required or the total amount of the withdrawal, as applicable, will be withdrawn from the Guarantee Periods in order of the earliest Expiration Date(s) first.

Any withdrawal from an account for Special Dollar Cost Averaging will terminate that Special Dollar Cost Averaging program. Any amounts remaining in the account for Special Dollar Cost Averaging after such a withdrawal will be transferred to your other Investment Options according to your then current allocation instructions.

WITHDRAWAL RESTRICTIONS (SEE SECTION 5.01): Minimum Distribution Withdrawals - May be elected in the year in which you attain age 70 1/2 or at a later date. Minimum Distribution Withdrawals will be made annually.

MINIMUM WITHDRAWAL AMOUNT (SEE SECTION 5.01): Lump Sum Withdrawals minimum - $1,000; Minimum Distribution Withdrawals minimum - $250.

MINIMUM AMOUNT OF ANNUITY ACCOUNT VALUE AFTER A WITHDRAWAL (SEE SECTION 5.02):
Requests for a withdrawal must be for either (a) 90% or less of the Cash Value or (b) 100% of the Cash Value (surrender of the Certificate).

We will NOT exercise our rights, described in Sections 5.02(b) and 5.02(c), to terminate the Certificate.

DEATH BENEFIT AMOUNT (SEE SECTION 6.01): The death benefit is equal to the Annuity Account Value or, if greater, the Guaranteed Minimum Death Benefit defined below.

Guaranteed Minimum Death Benefit

Annual Ratchet to Age 80 - On the Contract Date, the Guaranteed Minimum Death Benefit is equal to the initial Contribution. Thereafter, on each Contract Date anniversary through the Annuitant's age 80, if the Annuity Account Value is greater than the current Guaranteed Minimum Death Benefit, the Guaranteed Minimum Death Benefit is reset to equal the Annuity Account Value. The Guaranteed Minimum Death Benefit is also adjusted for any subsequent Contributions and withdrawals.

Each withdrawal will cause a reduction in your current Guaranteed Minimum Death Benefit on a pro rata basis.

No. 94ICB (Rev 9/00)-SSDCA Data page 4

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Annuitization Age               Length of Period Certain
-----------------               ------------------------
  80 through 81                              9
  82 through 83                              8
  84 through 86                              7
  87 through 89                              6
  90 through 92                              5
  93 through 95                              4

The maximum annuitization age varies by issue age and is shown on Data page 1.

AMOUNT OF ANNUITY BENEFIT (SEE SECTION 7.05): The amount applied to provide the Annuity Benefit will be the Annuity Account Value.

INTEREST RATE TO BE APPLIED IN ADJUSTING FOR MISSTATEMENT OF AGE OR SEX (SEE
SECTION 7.06): 6% per year

MINIMUM AMOUNT TO BE APPLIED TO AN ANNUITY (SEE SECTION 7.06): $2,000, as well
as minimum of $20 for initial monthly annuity payment.

GUARANTEED MINIMUM INCOME BENEFIT (SEE SECTION 7.08): If the Annuitant has converted the Certificate to a traditional IRA certificate, the Annuitant may apply the Annuity Account Value during the period of time indicated below to purchase a minimum amount of guaranteed lifetime income under either (i) our fixed Life Annuity payout option or (ii) our Income Manager (Life Annuity with a Period Certain) level payment payout annuity Certificate. Other options may be available at the time of exercise.

The Life Annuity payout option provides annuity payments while the Annuitant is living. Payments end with the last payment made before the Annuitant's death. Our fixed Joint and Survivor Life Annuity payout option is also available. Payments under the Joint and Survivor Life Annuity payout option end with the last payment made before the surviving Annuitant's death.

The Income Manager (Life Annuity with a Period Certain) level payment payout annuity Certificate provides payments during a period certain with payments continuing for life thereafter. The period certain is based on the Annuitant's age at the time the Income Manager (Life Annuity with a Period Certain) payout annuity is elected. The period certain is 10 years for ages 60 through 75; 9 years for age 76; 8 years for age 77; 7 years for ages 78 through 83; 6 years for age 84; and 5 years for age 85. The Income Manager (Life Annuity with a Period Certain) level payment payout annuity is also available on a joint and survivor basis. The following paragraphs describe the conditions for exercise of the Guaranteed Minimum Income Benefit.

No. 94ICB Data page 5 (rev 3/00 bB)

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DATA PAGES (CONT'D)

The Guaranteed Minimum Income Benefit is available only if it is exercised within 30 days following the 10th or later Contract Date anniversary under this Certificate. However, it may not be exercised later than the Annuitant's age 85.

On the Transaction Date that the Annuitant exercises the Guaranteed Minimum Income Benefit, the lifetime income that will be provided under the payout option selected will be the greater of (i) the Guaranteed Minimum Income Benefit, and (ii) the amount of income that would be provided by application of the Annuity Account Value as of the Transaction Date at our then current annuity purchase factors.

Guaranteed Minimum Income Benefit Benefit Base - The Guaranteed Minimum Income Benefit benefit base is equal to the initial Contribution on the Contract Date. Thereafter, the Guaranteed Minimum Income Benefit benefit base is credited each day with interest at an annual effective rate of 5% (3% for amounts in the Alliance Money Market Fund, Alliance Intermediate Government Securities Funds and the Guarantee Periods) through the Annuitant's age 80, and 0% thereafter. The Guaranteed Minimum Income Benefit benefit base interest applicable during the period selected for the Special Dollar Cost Averaging Account, if applicable, will be 5%. The Guaranteed Minimum Income Benefit benefit base is also adjusted for any subsequent Contributions and withdrawals. The Guaranteed Minimum Income Benefit benefit base will also be reduced by any withdrawal charge remaining on the Transaction Date that the Annuitant exercises the Guaranteed Minimum Income Benefit.

The Guaranteed Minimum Income Benefit benefit base is applied to guaranteed minimum annuity purchase factors to determine the Guaranteed Minimum Income Benefit. The guaranteed minimum annuity purchase factors are shown in the attached table.

The Guaranteed Minimum Income Benefit benefit base does not create an Annuity Account Value or a Cash Value and is used solely for purposes of calculating the Guaranteed Minimum Income Benefit.

The current Guaranteed Minimum Income Benefit benefit base will be reduced on a dollar-for-dollar basis as long as the sum of the withdrawals in any Contract Year is 5% or less of the beginning of Contract Year Guaranteed Minimum Death Benefit (described above). Once a withdrawal is made that causes cumulative withdrawals in a Contract Year to exceed 5% of the beginning of Contract Year Guaranteed Minimum Death Benefit, that withdrawal and any subsequent withdrawals in that Contract Year will cause a pro rata reduction to occur.

WITHDRAWAL CHARGES (SEE SECTION 8.01): A withdrawal charge will be imposed as a percentage of each Contribution made to the extent that a withdrawal exceeds the Free Corridor Amount as discussed in Section 8.01 or, if the Certificate is surrendered to receive the Cash Value. We determine the withdrawal charge separately for each Contribution in accordance with the table below.

No. 94ICB Data page 6 (rev 3/00 bB)

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DATA PAGES (CONT'D)

                                      Current and Maximum
                                         Percentage of
         Contract Year                  Contributions
         -------------                  -------------

                  1                         7.00%
                  2                         6.00%
                  3                         5.00%
                  4                         4.00%
                  5                         3.00%
                  6                         2.00%
                  7                         1.00%
             8 and later                    0.00%

The applicable withdrawal charge percentage is determined by the Contract Year in which the withdrawal is made or the Certificate is surrendered, beginning with "Contract Year 1" with respect to each Contribution withdrawn or surrendered. For purposes of the table, for each Contribution, the Contract Year in which we receive that Contribution is "Contract Year 1."

Withdrawal charges will be deducted from the Investment Options from which each withdrawal is made in proportion to the amount being withdrawn from each Investment Option.

Withdrawal charges will not apply to withdrawals of amounts applied to one of our individual retirement annuities or qualified plans under Section 5.02.

FREE CORRIDOR AMOUNT (SEE SECTION 8.01): 15% of Annuity Account Value at the beginning of the Contract Year minus any amount previously withdrawn during the Contract Year. Amounts withdrawn up to the Free Corridor Amount will not be deemed a withdrawal of Contributions. . In any Contract Year when a Minimum Distribution Withdrawal is the only withdrawal taken, no withdrawal charge will apply.

Withdrawals in excess of the Free Corridor Amount or a Minimum Distribution Withdrawal when added to a Lump Sum Withdrawal previously taken in the same Contract Year, which exceeds the Free Corridor Amount will be deemed withdrawals of Contributions in the order in which they were made (that is, the first-in, first-out basis will apply).

The Free Corridor Amount does not apply when calculating the withdrawal charge applicable upon a surrender.

NO WITHDRAWAL CHARGES WILL APPLY IN THESE EVENTS:

1. the Annuitant has qualified to receive Social Security disability benefits as certified by the Social Security Administration;

2. you give us proof that the Annuitant's life expectancy is six months or less (such proof must include, but is not limited to, certification by a licensed physician);

No. 94ICB Data page 7 (2/00)

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DATA PAGES (CONT'D)

3. the Annuitant has been confined to a nursing home for more than 90 days as verified by a licensed physician. A nursing home for this purpose means one which is (i) approved by Medicare as a provider of skilled nursing care service, or (ii) licensed as a skilled nursing home by the state or territory in which it is located (it must be within the United States, Puerto Rico, U. S. Virgin Islands, or Guam) and meets all the following:

o its main function is to provide skilled, intermediate or custodial nursing care;

o it provides continuous room and board to three or more persons;

o it is supervised by a registered nurse or practical nurse;

o it keeps daily medical records of each patient;

o it controls and records all medications dispensed; and

o its primary service is other than to provide housing for residents.

The withdrawal charge will apply with respect to a Contribution if the condition as described above existed at the time the Contribution was remitted or if the condition began within the 12 month period following remittance.

CHARGES DEDUCTED FROM ANNUITY ACCOUNT VALUE (SEE SECTION 8.02):

(a) Combined Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit Charge: For providing the Combined Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit we will deduct annually on each Processing Date an amount equal to 0.30% of the Guaranteed Minimum Income Benefit benefit base (described above) in effect on such Processing Date. 0.30% is the maximum we will charge.

(b) Charges for State Premium and Other Applicable Taxes: A charge for applicable taxes, such as state or local premium taxes generally will be deducted from the amount applied to provide an Annuity Benefit under Section 7.02. In certain states, however, we may deduct the charge from Contributions rather than at the Annuity Commencement Date.

The above charges will be deducted from the Annuity Account Value in the Investment Funds on a pro rata basis. If there is insufficient value in the Investment Funds, all or a portion of the charges will be deducted from the Annuity Account Value with respect to the Guarantee Periods in order of the earliest Expiration Date(s) first.

NUMBER OF FREE TRANSFERS (SEE SECTION 8.03): Unlimited

No. 94ICB Data page 8 (2/00)

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                  Current and Maximum     Annual rate of 1.10% (equivalent to a
                                          daily rate of 0.003032%).

Administration Charge:
                  Current and Maximum     Annual rate of 0.25% (equivalent to a
                                          daily rate of 0.000692%). We reserve
                                          the right to increase this charge to
                                          an annual rate of 0.35%.

Distribution Charge:
                  Current and Maximum     Annual rate of 0.20% (equivalent to a
                                          daily rate of 0.000556%).

No. 94ICB Data page 9 (2/00)

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DATA PAGES (CONT'D)

PART C -- THIS PART LISTS THE TERMS WHICH APPLY TO THE ENDORSEMENT

------ APPLICABLE TO MARKET VALUE ADJUSTMENT TERMS (MVA ENDORSEMENT).

ALLOCATION RESTRICTIONS (SEE SECTION 3.01): If the Annuitant is age 76 or older, allocations may be made only to Guarantee Periods with maturities of five years or less; however, in no event may allocations be made to Guarantee Periods with maturities beyond the February 15th immediately following the Annuity Commencement Date.

TRANSFERS AT EXPIRATION DATE (SEE ITEM 1 OF MVA ENDORSEMENT): If no election is made with respect to amounts in the Guaranteed Period Account as of the Expiration Date, such amounts will be transferred into the Guarantee Period with the earliest Expiration Date.

MARKET VALUE ADJUSTMENT (MVA) ON TRANSFERS AND WITHDRAWALS (SEE ITEM 2 OF MVA ENDORSEMENT): The MVA (positive or negative) resulting from a withdrawal or transfer of a portion of the amount in a Guarantee Period will be a percentage of the MVA that would be applicable upon a withdrawal of all of the Annuity Account Value from a Guarantee Period. This percentage is determined by (i) dividing the amount of the withdrawal or transfer from the Guarantee Period by
(ii) the Annuity Account Value in such Guarantee Period prior to the withdrawal or transfer.

TRANSFER RULES (SEE SECTION 4.02): Transfers may not be made to a Guarantee Period maturing in the current calendar year. Guarantee Periods to which transfers may be made are limited based on the attained age of the Annuitant (see Allocation Restrictions above).

MVA FORMULA (SEE ITEM 3 OF MVA ENDORSEMENT): The Guaranteed Rate for new allocations to a Guarantee Period is the rate we have in effect for this purpose even if new allocations to that Guarantee Period would not be accepted at the time. This rate will not be less than 3%.

The current rate percentage we use in item (c) of the formula is 0.00%. For purposes of calculating the MVA only, we reserve the right to add up to 0.25% to such current rate percentage.

SEPARATE ACCOUNT (SEE ITEM 5 OF MVA ENDORSEMENT): The portion of the assets of Separate Account No. 46 equal to the reserves and other contract liabilities will not be chargeable with liabilities which arise out of any other business we conduct.

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DATA PAGES (CONT'D)

                        GUARANTEED MINIMUM INCOME BENEFIT
                       TABLE OF GUARANTEED MINIMUM ANNUITY
               PURCHASE FACTORS FOR A TRADITIONAL IRA CERTIFICATE
                         FOR INITIAL LEVEL ANNUAL INCOME
                               SINGLE LIFE - MALE

                                                  PURCHASE FACTORS
                                    -----------------------------------------
                                    LIFE ANNUITY WITH
        ELECTION AGE                A PERIOD CERTAIN             LIFE ANNUITY
        ------------                ----------------             ------------
            60                          4.93%                       5.15%
            61                          5.02                        5.26
            62                          5.11                        5.38
            63                          5.20                        5.51
            64                          5.30                        5.64
            65                          5.40                        5.79
            66                          5.50                        5.94
            67                          5.60                        6.10
            68                          5.71                        6.27
            69                          5.81                        6.45
            70                          5.91                        6.64
            71                          6.02                        6.84
            72                          6.12                        7.06
            73                          6.21                        7.28
            74                          6.31                        7.51
            75                          6.41                        7.76
            76                          6.69                        8.03
            77                          7.02                        8.31
            78                          7.38                        8.61
            79                          7.53                        8.93
            80                          7.67                        9.27
            81                          7.81                        9.64
            82                          7.94                       10.02
            83                          8.05                       10.43
            84                          8.60                       10.87
            85                          9.25                       11.34

Other forms of annuities may be available.

No. 94ICB Data page 11 (rev 3/00 bB)

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EQUITABLE ACCUMULATOR (QP - DEFINED BENEFIT)

DATA

OWNER: Richard Roe As Trustee for the XYZ Qualified Plan

ANNUITANT: John Doe Age: 61 Sex: Male

CONTRACT: GROUP ANNUITY CONTRACT NO. AC 6725

CERTIFICATE NUMBER: 00000

ENDORSEMENTS ATTACHED: Minimum Income Benefit Endorsement

                          Endorsement Applicable to Defined Benefit Qualified
                            Plan
                          Certificates
                          Endorsement Applicable to Market Value Adjustment
                            Terms
                          Rider to Endorsement Applicable to Market Value
                            Adjustment Terms

   ISSUE DATE:             January 8, 2001

   CONTRACT DATE:          January 8, 2001

ANNUITY COMMENCEMENT DATE: March 20, 2025

                      Age 80)

BENEFICIARY:   Richard Roe As Trustee for the XYZ Qualified Plan

No. 94ICB                                      Data page 1               (2/00)

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INVESTMENT OPTIONS                                 ALLOCATION (SEE SECTION 3.01)
------------------                                 -----------------------------
o  Alliance Common Stock Fund                                 $25,000.00
o  Alliance Conservative Investors Fund
o  Alliance Global Fund
o  Alliance Growth and Income Fund
o  Alliance Growth Investors Fund
o  Alliance High Yield Fund
o  Alliance Intermediate Government Securities Fund
o  Alliance International Fund
o  Alliance Money Market Fund
o  Alliance Small Cap Growth Fund
o  Capital Guardian Research Fund
o  Capital Guardian U.S. Equity Fund
o  EQ Equity 500 Index Fund
o  EQ International Equity Index Fund
o  EQ Small Company Index Fund
o  EQ/Aggressive Stock Fund
o  EQ/Alliance Premier Growth Fund
o  EQ/Alliance Technology Fund
o  EQ/AXP New Dimensions Fund
o  EQ/AXP Strategy Aggressive Fund
o  EQ/Evergreen Foundation Fund
o  EQ/Evergreen Fund
o  EQ/Janus Large Cap Growth Fund
o  EQ/Putnam Balanced Fund
o  EQ/Putnam Growth & Income Value Fund
o  FI Mid Cap Fund
o  FI Small/Mid Cap Value Fund
o  Mercury Basic Value Equity Fund
o  Mercury World Strategy Fund
o  MFS Emerging Growth Companies Fund
o  MFS Growth with Income Fund
o  MFS Research Fund
o  Morgan Stanley Emerging Markets Equity Fund
o  T. Rowe Price Equity Income Fund
o  T. Rowe Price International Stock Fund

No. 94ICB                                      Data page 2               (2/00)

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DATA PAGES (CONT'D)

                                                   ALLOCATION (SEE SECTION 3.01)
                                                   -----------------------------

o  GUARANTEE PERIODS (CLASS II)
   EXPIRATION DATE AND GUARANTEED RATE

   February 15, 2002
   February 15, 2003
   February 15, 2004
   February 15, 2005
   February 15, 2006
   February 15, 2007
   February 15, 2008
   February 15, 2009
   February 15, 2010
   February 15, 2011

                                                    --------------------------

TOTAL: $25,000.00

Investment Options shown are Investment Funds of our Separate Account No. 45 and Guarantee Periods shown are in the Guaranteed Period Account. See Endorsement Applicable to Market Value Adjustment Terms.

"TYPES" OF INVESTMENT OPTIONS (SEE SECTION 4.02): Not applicable

GUARANTEED INTEREST ACCOUNT (SEE SECTION 2.01): Any amount held in an account for Special Dollar Cost Averaging becomes part of our general assets, which support the guarantees of this Certificate and other Certificates. We will credit the amount of each Contribution allocated to and remaining in an account for Special Dollar Cost Averaging with interest at the effective annual rate that was applicable to your program on the Transaction Date of the Contribution. We may set different rates for programs of different duration.

BUSINESS DAY (SEE SECTION 1.05): A Business Day for this Certificate will mean generally any day on which the New York Stock Exchange is open for trading.

PROCESSING DATES (SEE SECTION 1.20): A Processing Date is each Contract Date anniversary.

No. 94ICB (Rev 9/00)-SSDCA Data page 2a

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DATA PAGES (CONT'D)

AVAILABILITY OF INVESTMENT OPTIONS (SEE SECTION 2.04): (See Data pages, Part C;
Allocation Restrictions)

ALLOCATION OF CONTRIBUTIONS (SEE SECTION 3.01): Except as indicated below, your initial and any subsequent Contributions are allocated according to your instructions.

Special Dollar Cost Averaging - Under a Special Dollar Cost Averaging program, you allocate all or any portion of your Contribution to an interest bearing account for the program. We transfer a portion of each amount allocated to the account (including accrued interest) to the Investment Options according to your allocation instructions on a systematic monthly basis, such that all amounts are transferred out of the account by the end of the program. Transfers will be made on a first-in first-out (fifo) basis. Each program is for a six, twelve, or eighteen month period or such other period we may make available to you in the future. The minimum initial amount that you may allocate to the account for a Special Dollar Cost Averaging program is $2,000. The minimum subsequent contribution to an existing program is $250.00. Subsequent Contributions to an existing Special Dollar Cost Averaging program will not extend the expiration date of that program.

You may elect to participate in a Special Dollar Cost Averaging program at any time, but you may have only one program in effect at a time. At the expiration of a Special Dollar Cost Averaging program, you may start a new program.

CONTRIBUTION LIMITS (SEE SECTION 3.02): We will only accept transfers from a defined benefit plan or a change of investment vehicles in the plan. Initial Contribution minimum: $5,000. Subsequent Contribution minimum: $1,000. Subsequent Contributions can be made at any time up until the Annuitant attains age 76. We may refuse to accept any Contribution if the sum of all Contributions under all accumulation Certificates with the same Annuitant would then total more than $1,500,000. We reserve the right to limit aggregate Contributions made after the first Contract Year to 150% of first year Contributions. We may also refuse to accept any Contribution if the sum of all Contributions under all Equitable Life annuity accumulation certificates/contracts that you own would then total more than $2,500,000.

TRANSFER RULES (SEE SECTION 4.02): You may not transfer Annuity Account Value into an account for Special Dollar Cost Averaging. Any request by you to transfer amounts out of an account for Special Dollar Cost Averaging, other than your regularly scheduled transfers to the Investment Options as part of a Special Dollar Cost Averaging program, will terminate that Special Dollar Cost Averaging program. Any amount remaining in the account for Special Dollar Cost Averaging after such a transfer will be transferred to your other Investment Options according to your then current allocation instructions.

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DATA PAGES (CONT'D)

ALLOCATION OF WITHDRAWALS (SEE SECTION 5.01): Lump Sum Withdrawals - You must

provide withdrawal instructions indicating from which Investment Options the Lump Sum Withdrawal and any withdrawal charge will be taken; Minimum Distribution Withdrawals - Unless you specify otherwise, Minimum Distribution Withdrawals will be withdrawn on a pro rata basis from your Annuity Account Value in the Investment Funds. If there is insufficient value or no value in the Investment Funds, any additional amount of the withdrawal required or the total amount of the withdrawal, as applicable, will be withdrawn from the Guarantee Periods in order of the earliest Expiration Date(s) first.

Any withdrawal from an account for Special Dollar Cost Averaging will terminate that Special Dollar Cost Averaging program. Any amounts remaining in the account for Special Dollar Cost Averaging after such a withdrawal will be transferred to your other Investment Options according to your then current allocation instructions.

WITHDRAWAL RESTRICTIONS (SEE SECTION 5.01): Minimum Distribution Withdrawals - May be elected in the year in which you attain age 70 1/2 or at a later date. Minimum Distribution Withdrawals will be made annually.

MINIMUM WITHDRAWAL AMOUNT (SEE SECTION 5.01): Lump Sum Withdrawals minimum - $1,000; Minimum Distribution Withdrawals minimum - $250.

MINIMUM AMOUNT OF ANNUITY ACCOUNT VALUE AFTER A WITHDRAWAL (SEE SECTION 5.02):
Requests for a withdrawal must be for either (a) 90% or less of the Cash Value or (b) 100% of the Cash Value (surrender of the Certificate).

We will NOT exercise our rights, described in Sections 5.02(b) and 5.02(c), to terminate the Certificate.

DEATH BENEFIT AMOUNT (SEE SECTION 6.01): The death benefit is equal to the Annuity Account Value or, if greater, the Guaranteed Minimum Death Benefit defined below.

Guaranteed Minimum Death Benefit

Annual Ratchet to Age 80 - On the Contract Date, the Guaranteed Minimum Death Benefit is equal to the initial Contribution. Thereafter, on each Contract Date anniversary through the Annuitant's age 80, if the Annuity Account Value is greater than the current Guaranteed Minimum Death Benefit, the Guaranteed Minimum Death Benefit is reset to equal the Annuity Account Value. The Guaranteed Minimum Death Benefit is also adjusted for any subsequent Contributions and withdrawals.

Each withdrawal will cause a reduction in your current Guaranteed Minimum Death Benefit on a pro rata basis.

No. 94ICB (Rev 9/00)-SSDCA Data page 4

[GRAPHIC OF WORD "SPECIMEN")

Annuitization Age               Length of Period Certain
-----------------               ------------------------
  80 through 81                              9
  82 through 83                              8
  84 through 86                              7
  87 through 89                              6
  90 through 92                              5
  93 through 95                              4

The maximum annuitization age varies by issue age and is shown on Data page 1.

AMOUNT OF ANNUITY BENEFIT (SEE SECTION 7.05): The amount applied to provide the Annuity Benefit will be the Annuity Account Value.

INTEREST RATE TO BE APPLIED IN ADJUSTING FOR MISSTATEMENT OF AGE OR SEX (SEE
SECTION 7.06): 6% per year

MINIMUM AMOUNT TO BE APPLIED TO AN ANNUITY (SEE SECTION 7.06): $2,000, as well
as minimum of $20 for initial monthly annuity payment.

GUARANTEED MINIMUM INCOME BENEFIT (SEE SECTION 7.08): If the Annuitant has converted the Certificate to a traditional IRA certificate, the Annuitant may apply the Annuity Account Value during the period of time indicated below to purchase a minimum amount of guaranteed lifetime income under either (i) our fixed Life Annuity payout option or (ii) our Income Manager (Life Annuity with a Period Certain) level payment payout annuity Certificate. Other options may be available at the time of exercise.

The Life Annuity payout option provides annuity payments while the Annuitant is living. Payments end with the last payment made before the Annuitant's death. Our fixed Joint and Survivor Life Annuity payout option is also available. Payments under the Joint and Survivor Life Annuity payout option end with the last payment made before the surviving Annuitant's death.

The Income Manager (Life Annuity with a Period Certain) level payment payout annuity Certificate provides payments during a period certain with payments continuing for life thereafter. The period certain is based on the Annuitant's age at the time the Income Manager (Life Annuity with a Period Certain) payout annuity is elected. The period certain is 10 years for ages 60 through 75; 9 years for age 76; 8 years for age 77; 7 years for ages 78 through 83; 6 years for age 84; and 5 years for age 85. The Income Manager (Life Annuity with a Period Certain) level payment payout annuity is also available on a joint and survivor basis. The following paragraphs describe the conditions for exercise of the Guaranteed Minimum Income Benefit.

No. 94ICB Data page 5 (rev 3/00 bB)

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DATA PAGES (CONT'D)

The Guaranteed Minimum Income Benefit is available only if it is exercised within 30 days following the 10th or later Contract Date anniversary under this Certificate. However, it may not be exercised later than the Annuitant's age 85.

On the Transaction Date that the Annuitant exercises the Guaranteed Minimum Income Benefit, the lifetime income that will be provided under the payout option selected will be the greater of (i) the Guaranteed Minimum Income Benefit, and (ii) the amount of income that would be provided by application of the Annuity Account Value as of the Transaction Date at our then current annuity purchase factors.

Guaranteed Minimum Income Benefit Benefit Base - The Guaranteed Minimum Income Benefit benefit base is equal to the initial Contribution on the Contract Date. Thereafter, the Guaranteed Minimum Income Benefit benefit base is credited each day with interest at an annual effective rate of 5% (3% for amounts in the Alliance Money Market Fund, Alliance Intermediate Government Securities Funds and the Guarantee Periods) through the Annuitant's age 80, and 0% thereafter. The Guaranteed Minimum Income Benefit benefit base interest applicable during the period selected for the Special Dollar Cost Averaging Account, if applicable, will be 5%. The Guaranteed Minimum Income Benefit benefit base is also adjusted for any subsequent Contributions and withdrawals. The Guaranteed Minimum Income Benefit benefit base will also be reduced by any withdrawal charge remaining on the Transaction Date that the Annuitant exercises the Guaranteed Minimum Income Benefit.

The Guaranteed Minimum Income Benefit benefit base is applied to guaranteed minimum annuity purchase factors to determine the Guaranteed Minimum Income Benefit. The guaranteed minimum annuity purchase factors are shown in the attached table.

The Guaranteed Minimum Income Benefit benefit base does not create an Annuity Account Value or a Cash Value and is used solely for purposes of calculating the Guaranteed Minimum Income Benefit.

The current Guaranteed Minimum Income Benefit benefit base will be reduced on a dollar-for-dollar basis as long as the sum of the withdrawals in any Contract Year is 5% or less of the beginning of Contract Year Guaranteed Minimum Death Benefit (described above). Once a withdrawal is made that causes cumulative withdrawals in a Contract Year to exceed 5% of the beginning of Contract Year Guaranteed Minimum Death Benefit, that withdrawal and any subsequent withdrawals in that Contract Year will cause a pro rata reduction to occur.

No. 94ICB Data page 6 (rev 3/00 bB)

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                                Current and Maximum
                                   Percentage of
Contract Year                     Contributions
-------------                     -------------
         1                            7.00%
         2                            6.00%
         3                            5.00%
         4                            4.00%
         5                            3.00%
         6                            2.00%
         7                            1.00%
    8 and later                       0.00%

The applicable withdrawal charge percentage is determined by the Contract Year in which the withdrawal is made or the Certificate is surrendered, beginning with "Contract Year 1" with respect to each Contribution withdrawn or surrendered. For purposes of the table, for each Contribution, the Contract Year in which we receive that Contribution is "Contract Year 1."

Withdrawal charges will be deducted from the Investment Options from which each withdrawal is made in proportion to the amount being withdrawn from each Investment Option.

Withdrawal charges will not apply to withdrawals of amounts applied to one of our individual retirement annuities or qualified plans under Section 5.02.

FREE CORRIDOR AMOUNT (SEE SECTION 8.01): 15% of Annuity Account Value at the beginning of the Contract Year minus any amount previously withdrawn during the Contract Year. Amounts withdrawn up to the Free Corridor Amount will not be deemed a withdrawal of Contributions. . In any Contract Year when a Minimum Distribution Withdrawal is the only withdrawal taken, no withdrawal charge will apply.

Withdrawals in excess of the Free Corridor Amount or a Minimum Distribution Withdrawal when added to a Lump Sum Withdrawal previously taken in the same Contract Year, which exceeds the Free Corridor Amount will be deemed withdrawals of Contributions in the order in which they were made (that is, the first-in, first-out basis will apply).

The Free Corridor Amount does not apply when calculating the withdrawal charge applicable upon a surrender.

NO WITHDRAWAL CHARGES WILL APPLY IN THESE EVENTS:

1. the Annuitant has qualified to receive Social Security disability benefits as certified by the Social Security Administration;

2. you give us proof that the Annuitant's life expectancy is six months or less (such proof must include, but is not limited to, certification by a licensed physician);

No. 94ICB Data page 7 (2/00)

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DATA PAGES (CONT'D)

3. the Annuitant has been confined to a nursing home for more than 90 days as verified by a licensed physician. A nursing home for this purpose means one which is (i) approved by Medicare as a provider of skilled nursing care service, or (ii) licensed as a skilled nursing home by the state or territory in which it is located (it must be within the United States, Puerto Rico, U. S. Virgin Islands, or Guam) and meets all the following:

o its main function is to provide skilled, intermediate or custodial nursing care;
o it provides continuous room and board to three or more persons;
o it is supervised by a registered nurse or practical nurse;
o it keeps daily medical records of each patient;
o it controls and records all medications dispensed; and
o its primary service is other than to provide housing for residents.

The withdrawal charge will apply with respect to a Contribution if the condition as described above existed at the time the Contribution was remitted or if the condition began within the 12 month period following remittance.

CHARGES DEDUCTED FROM ANNUITY ACCOUNT VALUE (SEE SECTION 8.02):

(a) Combined Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit Charge: For providing the Combined Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit we will deduct annually on each Processing Date an amount equal to 0.30% of the Guaranteed Minimum Income Benefit benefit base (described above) in effect on such Processing Date. 0.30% is the maximum we will charge.

(b) Charges for State Premium and Other Applicable Taxes: A charge for applicable taxes, such as state or local premium taxes generally will be deducted from the amount applied to provide an Annuity Benefit under Section 7.02. In certain states, however, we may deduct the charge from Contributions rather than at the Annuity Commencement Date.

The above charges will be deducted from the Annuity Account Value in the Investment Funds on a pro rata basis. If there is insufficient value in the Investment Funds, all or a portion of the charges will be deducted from the Annuity Account Value with respect to the Guarantee Periods in order of the earliest Expiration Date(s) first.

NUMBER OF FREE TRANSFERS (SEE SECTION 8.03): Unlimited

No. 94ICB Data page 8 (2/00)

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                  Current and Maximum        Annual rate of 1.10% (equivalent to
                                             a daily rate of 0.003032%).

Administration Charge:
                  Current and Maximum        Annual rate of 0.25% (equivalent
                                             to a daily rate of 0.000692%). We
                                             reserve the right to increase this
                                             charge to an annual rate of 0.35%.

Distribution Charge:
                  Current and Maximum        Annual rate of 0.20% (equivalent to
                                             a daily rate of 0.000556%).

No. 94ICB                                    Data page 9               (2/00)

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DATA PAGES (CONT'D)

PART C -- THIS PART LISTS THE TERMS WHICH APPLY TO THE ENDORSEMENT

------ APPLICABLE TO MARKET VALUE ADJUSTMENT TERMS (MVA ENDORSEMENT).

ALLOCATION RESTRICTIONS (SEE SECTION 3.01): If the Annuitant is age 76 or older, allocations may be made only to Guarantee Periods with maturities of five years or less; however, in no event may allocations be made to Guarantee Periods with maturities beyond the February 15th immediately following the Annuity Commencement Date.

TRANSFERS AT EXPIRATION DATE (SEE ITEM 1 OF MVA ENDORSEMENT): If no election is made with respect to amounts in the Guaranteed Period Account as of the Expiration Date, such amounts will be transferred into the Guarantee Period with the earliest Expiration Date.

MARKET VALUE ADJUSTMENT (MVA) ON TRANSFERS AND WITHDRAWALS (SEE ITEM 2 OF MVA ENDORSEMENT): The MVA (positive or negative) resulting from a withdrawal or transfer of a portion of the amount in a Guarantee Period will be a percentage of the MVA that would be applicable upon a withdrawal of all of the Annuity Account Value from a Guarantee Period. This percentage is determined by (i) dividing the amount of the withdrawal or transfer from the Guarantee Period by
(ii) the Annuity Account Value in such Guarantee Period prior to the withdrawal or transfer.

TRANSFER RULES (SEE SECTION 4.02): Transfers may not be made to a Guarantee Period maturing in the current calendar year. Guarantee Periods to which transfers may be made are limited based on the attained age of the Annuitant (see Allocation Restrictions above).

MVA FORMULA (SEE ITEM 3 OF MVA ENDORSEMENT): The Guaranteed Rate for new allocations to a Guarantee Period is the rate we have in effect for this purpose even if new allocations to that Guarantee Period would not be accepted at the time. This rate will not be less than 3%.

The current rate percentage we use in item (c) of the formula is 0.00%. For purposes of calculating the MVA only, we reserve the right to add up to 0.25% to such current rate percentage.

SEPARATE ACCOUNT (SEE ITEM 5 OF MVA ENDORSEMENT): The portion of the assets of Separate Account No. 46 equal to the reserves and other contract liabilities will not be chargeable with liabilities which arise out of any other business we conduct.

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DATA PAGES (CONT'D)

                        GUARANTEED MINIMUM INCOME BENEFIT
                       TABLE OF GUARANTEED MINIMUM ANNUITY
               PURCHASE FACTORS FOR A TRADITIONAL IRA CERTIFICATE
                         FOR INITIAL LEVEL ANNUAL INCOME
                               SINGLE LIFE - MALE

                                                 PURCHASE FACTORS
                                   -------------------------------------------
                                   LIFE ANNUITY WITH
       ELECTION AGE                 A PERIOD CERTAIN              LIFE ANNUITY
       ------------                 ----------------              ------------
           60                           4.93%                        5.15%
           61                           5.02                         5.26
           62                           5.11                         5.38
           63                           5.20                         5.51
           64                           5.30                         5.64
           65                           5.40                         5.79
           66                           5.50                         5.94
           67                           5.60                         6.10
           68                           5.71                         6.27
           69                           5.81                         6.45
           70                           5.91                         6.64
           71                           6.02                         6.84
           72                           6.12                         7.06
           73                           6.21                         7.28
           74                           6.31                         7.51
           75                           6.41                         7.76
           76                           6.69                         8.03
           77                           7.02                         8.31
           78                           7.38                         8.61
           79                           7.53                         8.93
           80                           7.67                         9.27
           81                           7.81                         9.64
           82                           7.94                        10.02
           83                           8.05                        10.43
           84                           8.60                        10.87
           85                           9.25                        11.34

Other forms of annuities may be available.

No. 94ICB Data page 11 (rev 3/00 bB)

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EQUITABLE ACCUMULATOR TSA

DATA

OWNER: John Doe

ANNUITANT: John Doe Age: 61 Sex: Male

                           Endorsement Applicable to TSA Certificates
                           Endorsement Applicable to Market Value Adjustment
                           Terms
                           Rider to Endorsement Applicable to Market Value
                           Adjustment Terms

   ISSUE DATE:               January 8, 2001

   CONTRACT DATE:            January 8, 2001

ANNUITY COMMENCEMENT DATE:   March 20, 2025

THE MAXIMUM MATURITY AGE IS AGE 90 -- SEE SECTION 7.03.

The Annuity Commencement Date may not be later than the Processing Date which follows the Annuitant's 90th birthday.

However, if you choose a date later than age 70 1/2, distribution of at least the minimum payments required must commence by April 1 of the calendar year following the calendar year in which you attain age 70 1/2 (except as otherwise indicated in item 8 of the Endorsement Applicable to TSA Certificates).

GUARANTEED BENEFITS:    Combined Guaranteed Minimum Income Benefit
                        and Guaranteed Minimum Death Benefit (Annual Ratchet
                        to Age 80)

BENEFICIARY:    Jane Doe


No. 94ICB-TSA1(5/00)                                      Data page 1

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INVESTMENT OPTIONS                                ALLOCATION (SEE SECTION 3.01)
------------------                                -----------------------------
o  Alliance Common Stock Fund                             $25,000.00
o  Alliance Conservative Investors Fund
o  Alliance Global Fund
o  Alliance Growth and Income Fund
o  Alliance Growth Investors Fund
o  Alliance High Yield Fund

o Alliance Intermediate Government Securities Fund
o Alliance International Fund
o Alliance Money Market Fund
o Alliance Small Cap Growth Fund
o Capital Guardian Research Fund
o Capital Guardian U.S. Equity Fund
o EQ Equity 500 Index Fund
o EQ International Equity Index Fund
o EQ Small Company Index Fund
o EQ/Aggressive Stock Fund
o EQ/Alliance Premier Growth Fund
o EQ/Alliance Technology Fund
o EQ/AXP New Dimensions Fund
o EQ/AXP Strategy Aggressive Fund
o EQ/Evergreen Foundation Fund
o EQ/Evergreen Fund
o EQ/Janus Large Cap Growth Fund
o EQ/Putnam Balanced Fund
o EQ/Putnam Growth & Income Value Fund
o FI Mid Cap Fund
o FI Small/Mid Cap Value Fund
o Mercury Basic Value Equity Fund
o Mercury World Strategy Fund
o MFS Emerging Growth Companies Fund
o MFS Growth with Income Fund
o MFS Research Fund
o Morgan Stanley Emerging Markets Equity Fund
o T. Rowe Price Equity Income Fund
o T. Rowe Price International Stock Fund

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DATA PAGES (CONT'D)

                                                  ALLOCATION (SEE SECTION 3.01)
                                                  -----------------------------
o GUARANTEE PERIODS (CLASS II)
  EXPIRATION DATE AND GUARANTEED RATE

  February 15, 2002
  February 15, 2003
  February 15, 2004
  February 15, 2005
  February 15, 2006
  February 15, 2007
  February 15, 2008
  February 15, 2009
  February 15, 2010
  February 15, 2011

                                                 ------------------------------

TOTAL: $25,000.00

Investment Options shown are Investment Funds of our Separate Account No. 45 and Guarantee Periods shown are in the Guaranteed Period Account. See Endorsement Applicable to Market Value Adjustment Terms.

"TYPES" OF INVESTMENT OPTIONS (SEE SECTION 4.02): Not applicable

GUARANTEED INTEREST ACCOUNT (SEE SECTION 2.01): Any amount held in an account for Special Dollar Cost Averaging becomes part of our general assets, which support the guarantees of this Certificate and other Certificates. We will credit the amount of each Contribution allocated to and remaining in an account for Special Dollar Cost Averaging with interest at the effective annual rate that was applicable to your program on the Transaction Date of the Contribution. We may set different rates for programs of different duration.

ANNUITY ACCOUNT VALUE (SEE SECTION 1.02): If a loan is outstanding, Annuity Account Value means the sum of the amounts in the Investment Options, plus any amount in the Loan Reserve Account.

BUSINESS DAY (SEE SECTION 1.05): A Business Day for this Certificate will mean generally any day on which the New York Stock Exchange is open for trading.

PROCESSING DATES (SEE SECTION 1.20): A Processing Date is each Contract Date anniversary.

No. 94ICB (Rev 9/00)-SSDCA Data page 2a

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DATA PAGES (CONT'D)

ALLOCATION OF CONTRIBUTIONS (SEE SECTION 3.01): Your initial and any subsequent Contributions are allocated according to your instructions.

Special Dollar Cost Averaging - Under a Special Dollar Cost Averaging program, you allocate all or any portion of your Contribution to an interest bearing account for the program. We transfer a portion of each amount allocated to the account (including accrued interest) to the Investment Options according to your allocation instructions on a systematic monthly basis, such that all amounts are transferred out of the account by the end of the program. Transfers will be made on a first-in first-out (fifo) basis. Each program is for a six, twelve, or eighteen month period or such other period we may make available to you in the future. The minimum initial amount that you may allocate to the account for a Special Dollar Cost Averaging program is $2,000. The minimum subsequent contribution to an existing program is $250.00. Subsequent Contributions to an existing Special Dollar Cost Averaging program will not extend the expiration date of that program.

You may elect to participate in a Special Dollar Cost Averaging program at any time, but you may have only one program in effect at a time. At the expiration of a Special Dollar Cost Averaging program, you may start a new program.

CONTRIBUTION LIMITS (SEE SECTION 3.02): The only Contributions we will accept are rollover and direct transfer Contributions described in the second sentence of item 5 in the Endorsement Applicable to TSA Certificates. We will not accept Contributions from employers. The second paragraph of item 5 in the Endorsement does not apply. Your initial Contribution must be at least $5,000. Subsequent rollover or direct transfer Contributions may be made in an amount of at least $1,000. Rollover and direct transfer Contributions may be made at any time until you attain age. However, any amount contributed after you attain age 70 1/2 must be net of your required minimum distribution for the year in which the rollover or direct transfer Contribution is made (see item 8 Required Minimum Distributions in Endorsement Applicable to TSA Certificates). We may refuse to accept any Contribution if the sum of all Contributions under all accumulation Certificates with the same Annuitant would then total more than $1,500,000. We reserve the right to limit aggregate Contributions made after the first Contract Year to 150% of first year Contributions. We may also refuse to accept any Contribution if the sum of all Contributions under all Equitable annuity accumulation certificates/contracts that you own would then total more than $2,500,000.

No. 94ICB (Rev 9/00)-SSDCA Data page 3

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DATA PAGES (CONT'D)

TRANSFER RULES (SEE SECTION 4.02): You may not transfer Annuity Account Value into an account for Special Dollar Cost Averaging. Any request by you to transfer amounts out of an account for Special Dollar Cost Averaging, other than your regularly scheduled transfers to the Investment Options as part of a Special Dollar Cost Averaging program, will terminate that Special Dollar Cost Averaging program. Any amount remaining in the account for Special Dollar Cost Averaging after such a transfer will be transferred to your other Investment Options according to your then current allocation instructions.

ALLOCATION OF WITHDRAWALS (SEE SECTION 5.01): Lump Sum Withdrawals - You must provide withdrawal instructions indicating from which Investment Options the Lump Sum Withdrawal and any withdrawal charge will be taken; Minimum Distribution Withdrawals - Unless you specify otherwise, Minimum Distribution Withdrawals will be withdrawn on a pro rata basis from your Annuity Account Value in the Investment Funds. If there is insufficient value or no value in the Investment Funds, any additional amount of the withdrawal required or the total amount of the withdrawal, as applicable, will be withdrawn from the Guarantee Periods in order of the earliest Expiration Date(s) first.

Any withdrawal from an account for Special Dollar Cost Averaging will terminate that Special Dollar Cost Averaging program. Any amounts remaining in the account for Special Dollar Cost Averaging after such a withdrawal will be transferred to your other Investment Options according to your then current allocation instructions.

WITHDRAWAL RESTRICTIONS (SEE SECTION 5.01): Minimum Distribution Withdrawals - May be elected in the year in which you attain age 70 1/2 or at a later date. Minimum Distribution Withdrawals will be made annually.

MINIMUM WITHDRAWAL AMOUNT (SEE SECTION 5.01): Lump Sum Withdrawals minimum - $1,000; Minimum Distribution Withdrawals minimum - $250.

MINIMUM AMOUNT OF ANNUITY ACCOUNT VALUE AFTER A WITHDRAWAL (SEE SECTION 5.02):
Requests for a withdrawal must be for either (a) 90% or less of the Cash Value or (b) 100% of the Cash Value (surrender of the Certificate).

If there is a loan outstanding, the amount withdrawn will be limited such that the Cash Value remaining after a withdrawal is equal to at least 10% of the outstanding loan amount.

We will NOT exercise our rights, described in Sections 5.02(b) and 5.02(c), to terminate the Certificate.

DEATH BENEFIT AMOUNT (SEE SECTION 6.01):

The death benefit is equal to the Annuity Account Value or, if greater, the Guaranteed Minimum Death Benefit defined below.

No. 94ICB (Rev 9/00)-SSDCA Data page 4

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DATA PAGES (CONT'D)

Guaranteed Minimum Death Benefit

Annual Ratchet to Age 80 - On the Contract Date, the Guaranteed Minimum Death Benefit is equal to the initial Contribution. Thereafter, on each Contract Date anniversary through your age 80, if the Annuity Account Value is greater than the current Guaranteed Minimum Death Benefit, the Guaranteed Minimum Death Benefit is reset to equal the Annuity Account Value. The Guaranteed Minimum Death Benefit is also adjusted for any subsequent Contributions and withdrawals. The Guaranteed Minimum Death Benefit will be reduced by any outstanding loan balance and accrued interest.

Each withdrawal will cause a reduction in your current Guaranteed Minimum Death Benefit on a pro rata basis.

NORMAL FORM OF ANNUITY (SEE SECTION 7.04): The Normal Form of Annuity is Life Annuity 10 Year Period Certain or Joint and Survivor Life Annuity 10 Year Period Certain for annuitization ages up to age 79. For annuitization ages 80 and older, the following applies:

Annuitization Age                Length of Period Certain
-----------------                ------------------------
  80 through 81                               9
  82 through 83                               8
  84 through 86                               7
  87 through 89                               6
  90 through 92                               5
  93 through 95                               4

The maximum annuitization age varies by issue age and is shown on Data page 1.

AMOUNT OF ANNUITY BENEFIT (SEE SECTION 7.05): The amount applied to provide the Annuity Benefit will be (1) the Annuity Account Value for any life annuity form or (2) the Cash Value for any period certain only annuity form except that if the period certain is more than five years the amount applied will be no less than 95% of the Annuity Account Value.

INTEREST RATE TO BE APPLIED IN ADJUSTING FOR MISSTATEMENT OF AGE OR SEX (SEE
SECTION 7.06): 6% per year

MINIMUM AMOUNT TO BE APPLIED TO AN ANNUITY (SEE SECTION 7.06): $2,000, as well
as minimum of $20 for initial monthly annuity payment.

GUARANTEED MINIMUM INCOME BENEFIT (SEE SECTION 7.08): If the Annuitant has converted the Certificate to a traditional IRA certificate, the Annuitant may apply the Annuity Account Value during the period of time indicated below to purchase a minimum amount of guaranteed lifetime income under either (i) our fixed Life Annuity payout option or (ii) our Income Manager (Life Annuity with a Period Certain) level payment payout annuity Certificate. Other options may be available at the time of exercise.