Retirement Gateway^®

401(k) Plan Administration & Services

Retirement Gateway^®, a program of bundled and unbundled qualified plan services, which includes a group variable annuity, provides employees with thorough knowledge and diversified investment choices while helping plan sponsors minimize their retirement-related tasks. Our retirement plan experts guide plan sponsors and employees through important decision-making — so plan sponsors can focus on their business.

Retirement Gateway® supports:

•   401(k) plans – including Roth Contributions
•   Profit-Sharing plans
•   Money Purchase plans
•   Safe Harbor Arrangements
•   Age-Weighted and New Comparability Plans

Administrative Ease

•    Choice of bundled or unbundled service plans
•    Sophisticated and easy-to-use technology suite
•    Competitive fee structure and fee disclosure to plan sponsors and participants

Investment Fiduciary Services Powered by Wilshire Associates

Retirement Gateway^® introduces a higher level of support through Investment Fiduciary Services Powered by Wilshire Associates. This means plan sponsors now have increased support for their fiduciary responsibilities in selecting and monitoring investment options in their plan. There are two fiduciary services available:

• 3(21) Foundation Series

• Choice of Fund Menus or Select List
• Wilshire provides selection of asset classes and investment options
• Wilshire offers investment advice but does not make investment decisions

• 3(38) Premier

• Wilshire has the authority to select and de-select investment options
• Wilshire serves as investment manager, making all decisions about investments in the plan

Additional Support for Your Role as Fiduciary

Provided by Wilshire Associates Incorporated (“Wilshire^®”):

• Model Investment Policy Statement
• Quarterly investment reports

Provided by AXA Equitable:

• Fiduciary Guidebook with checklists, dates and documentation to help plan sponsors manage their plan responsibilities
• Electronic compliance documentation and filings (bundled service plans)
• Regular plan reviews between plan sponsors and financial professionals

Broad Array of Investment Options & Strategies

Providing a selection of appropriate investment options to employees is one of the most important roles of plan sponsors. Retirement Gateway^® gives plan sponsors both flexibility and the ability to provide investment strategies that can help meet a range of employee types — from the beginner to the sophisticated investor — through the group annuity contract.

Choices for Investors Who Are Looking for an Easy One-Step Investment Approach

• Target Date Allocation Portfolios^{1, 2}
• Risk-Based Asset Allocation Portfolios²

Choices for Do-It-Yourself Investors Who Want to Manage Their Own Portfolios

• Broad selection of investment options representing all major asset classes
• Access to some of the most distinguished names in the money management industry
• Varying portfolio strategies including active, index, combined and multi-manager
• Guaranteed Interest Option³
• Stable Value Fund⁴
• Individually Directed Account
• Automatic Asset Rebalancing⁵

Investments are subject to market risk, will fluctuate and may lose value.

NowPlan^SM Employee Education Program

NowPlan^SM, our needs-based employee education program is designed to drive action and change participant behavior. The goal is to empower employees with knowledge and information to help them achieve a well-planned, fully-funded retirement.

• Proactive, customized approach keeps participants focused on progress toward retirement funding goals.
• In-depth guides help employees match appropriate investment options to their savings goals and risk profile.
• Multiple platforms enable employees to take action at their own pace and whenever their situations and goals change.

The centerpiece of our personalized educational support is SmartPlan, an interactive multi-media series that allows participants to decide when and how they are ready to learn and take action.

Education Consultants and financial professionals can meet with participants at different stages of their retirement continuum. For those nearing retirement, a review of the plan’s comprehensive distribution options can help pre-retirees determine those best suited for their situations. Post-retirees will benefit from guidance on such issues as managing assets for income and cash needs during retirement.

1 The target date is the approximate date when investors plan to start withdrawing their money. The principal value of the portfolios is not guaranteed at any time, including at the target date.

2 You will incur higher costs with the asset allocation portfolios than if you were to invest directly in the underlying investment portfolios.

3 Guarantees are based on the claims-paying ability of the issuing insurance company.

4 AXA Equitable does not guarantee the principal amount of, or the rate of interest on, Stable Value Fund investments or the credit-worthiness of any issuers of securities or contracts purchased by the Stable Value Fund.

5 Rebalancing does not guarantee a profit or protect against loss in a declining market.

Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus containing this and other information, please click on links above or contact a financial professional. Read it carefully before you invest or send money.

A group variable annuity is a long-term financial product designed for retirement purposes. In essence, a group variable annuity is a contractual agreement in which payment(s) are made on behalf of retirement plan participants to an insurance company, which agrees to pay out an income or a lump sum amount at a later date to those participants. There are contract limitations and fees and charges associated with group variable annuities, which include, but are not limited to, administrative fees and charges for investment management. Withdrawals from annuities are subject to normal income tax treatment and, if taken prior to 591/2, may be subject to an additional 10% federal income tax penalty.

Because an annuity contract would be used to fund this qualified employer-sponsored retirement arrangement, you should purchase the annuity contract for its features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit of the annuity. You may also want to consider the relative features, benefits and costs of this annuity with any other investment that you may have in connection with your retirement plan or arrangement.

Please be advised that this document is not intended as legal or tax advice. Accordingly, any tax information provided in this document is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

Retirement Gateway^® is issued by AXA Equitable Life Insurance Company (NY, NY) and distributed by an affiliate AXA Advisors, LLC, member FINRA, SIPC. AXA Equitable and its affiliates do not provide tax or legal advice.

Contract form #2005GAC-QP and any state variations.

Retirement Gateway^® is a registered service mark and NowPlan^SM is a service mark of AXA Equitable Life Insurance Company. Wilshire^® is a registered service mark of Wishire Associates Incorporated, Santa Monica, California.

GE-61286 (4/11)