Your Money Can Potentially Grow Tax-Deferred In An IRA

Whatever your age, whatever your personal or professional situation, an IRA can offer both businesses and individuals benefits that other investments do not. Perhaps most important of all these benefits, an IRA gives you the opportunity to grow your money tax-deferred than if they were in a comparable taxable investment.

An IRA offers you the opportunity to:

• Invest your contributions however you choose.
• Deduct your contributions for current tax savings.*
• Get started easily and with no or minimal administrative work.

* Withdrawals are taxed as ordinary income and if made prior to age 59 1/2 may be subject to a 10% federal tax penalty.

AXA Equitable's 300+ Series IRA For ADA Members

Not all IRAs are equal. That's why, after careful review, we chose to offer you AXA Equitable's 300+ Series IRA** as an exclusive member benefit. While AXA Equitable's 300+ Series IRA offers all the benefits outlined above, it also provides a unique combination of advantages designed with our members in mind:

A complete range of IRA options.

Individuals can choose from:

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Business owners and self-employed individuals can choose from:

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Experienced with the needs of association members.

AXA Equitable has more than 35 years of experience providing retirement plan services to members of professional associations. Their staff of knowledgeable Retirement Program Specialists are available to answer your questions and help you select the IRA most appropriate for you.

Diversified investment opportunities.

AXA Equitable's 300+ Series IRA comes with a wide range of investment choices, so you can balance your retirement portfolio.

Professional investment management.

All of our investment choices are managed by experienced, well-known investment managers with the resources and expertise to help you make the most of your money.

24/7 online access.

Monitor your account around the clock right on-line with our state-of-the-art Account Investment Management System (AIMS).

Save time and money.

AXA Equitable's 300+ Series IRAs are easy to set up, easy to administer and easy to afford.

To set up your tax-advantaged IRA today or to determine which type fits your situation, please by calling 1-800-523-1125 today!

Be sure to consult your tax advisor for specific advice.

** AXA Equitable's 300+ Series IRA (Contract Form #5361) is funded by a variable annuity contract issued and distributed by AXA Equitable Life Insurance Company, New York, NY. Please consider the charges, risks, expenses, and investment objectives of The 300+ Series IRA carefully before investing. For a prospectus containing this and other information, please contact your financial professionals. Read the prospectus carefully before you invest or send money.

Tax-qualified retirement plans such as IRAs and SEPs already provide tax deferral under the Internal Revenue Code. Tax deferral of an annuity does not provide additional tax benefits. Before purchasing an annuity you should consider whether its features and benefits beyond tax deferral meet your needs and goals. You may also want to consider the relative features, benefits and costs of this annuity contract compared with other investment that you may use to fund your IRA.

AXA Equitable's 300+ IRA is not available in all states. Please consult your financial professional with respect to state availability.