Common use of Letter of Credit No Clause in Contracts

Letter of Credit No. With reference to the above, we hereby claim payment of [●] U.S. dollars (USD [●]) the amount of which should be paid to the following account: [●] EXHIBIT B-1 [Form of Letter of Credit Request] Natixis, New York Branch, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●] (the "Subsidiary Account Party") Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement Agreement"), among Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and Natixis, New York Branch. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________, to be issued on ________, ____ (the "Issue Date") with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________, to be amended as of ________, ____ (the "Amendment Date") with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "Extension Date") with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To Natixis, New York Branch Office of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX 00000 Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and Natixis, New York Branch. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●•] U.S. dollars (USD [●•]) the amount of which should be paid to the following account: [●•] EXHIBIT B-1 B [Form of Letter of Credit Request] NatixisLandesbank Hessen-Thüringen Girozentrale, acting through its New York Branch, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●•] (the "“Subsidiary Account Party"”) Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "“Reimbursement Agreement"”), among AXA Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and NatixisLandesbank Hessen-Thüringen Girozentrale, acting through its New York Branch. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________$ , to be issued on ________, ____ (the "“Issue Date"”) with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________$ , to be amended as of ________, ____ (the "“Amendment Date"”) with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "“Extension Date"”) with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] We confirm that each condition specified in Section 3.01 of the Agreement is satisfied on the date of this Letter of Credit Request and that the Letter of Credit will be used only to support reinsurance of the Applicant and the Guarantor. We further confirm that none of the conditions specified in Section 2.01(f) of the Agreement have occurred and are continuing. Delivery instructions and contact information: [●to be delivered to the beneficiary.] [amend as appropriate] [•], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To Natixis, Landesbank Hessen-Thüringen Girozentrale New York Branch Office of the General Counsel 0000 000 Xxxxx Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX 00000 00000-0000 Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among AXA Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and NatixisLandesbank Hessen-Thüringen Girozentrale, acting through its New York Branch. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor Company and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●] U.S. dollars (USD [●]) the amount of which should be paid to the following account: [●] EXHIBIT B-1 [Form of Letter of Credit Request] NatixisJPMorgan Chase Bank, New York BranchN.A., as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●] (the "Subsidiary Account Party") Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement Agreement"), among Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and NatixisJPMorgan Chase Bank, New York Branch. N.A. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________, to be issued on ________, ____ (the "Issue Date") with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________, to be amended as of ________, ____ (the "Amendment Date") with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "Extension Date") with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To NatixisTo: JPMorgan Chase Bank, New York Branch Office of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx N.A. 000 Xxxxxxx Xxxxxx, 00xx Xxxxx Xxx Xxxx, XX XX, 00000 Attention: Xxxxx Xxxxxx Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and NatixisJPMorgan Chase Bank, New York Branch. N.A. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●] U.S. dollars (USD [●]) the amount of which should be paid to the following account: [●] EXHIBIT B-1 C [RESERVED] EXHIBIT D-1 [Form of Letter of Credit Request] NatixisJPMorgan Chase Bank, New York BranchN.A., as LC Issuer administrative agent under the Reimbursement Credit Agreement referred to below [[NAME OF FRONTING ISSUING BANK], as Fronting Issuing Bank under the Credit Agreement referred to below] _________ __, ____ Attention: Re: [●] (the "Subsidiary Account Party") Reference is made to the Reimbursement Amended and Restated Revolving Credit Agreement, dated as of February 16June 24, 2018 2021 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement Credit Agreement"), among Equitable Holdings, Inc., the Subsidiary Account Parties party thereto, the Banks party thereto and NatixisJPMorgan Chase Bank, New York BranchN.A. as administrative agent. Capitalized terms used herein without definition are used as defined in the Reimbursement Credit Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Credit Agreement, of its request for your issuance of a [Syndicated][Fronted] Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________, to be issued on ________, ____ (the "Issue Date") with an expiration date of _________, ____. The requested terms and conditions of the [Syndicated][Fronted] Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Credit Agreement, of its request for your amendment of the [Syndicated][Fronted] Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended [Syndicated][Fronted] Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________, to be amended as of ________, ____ (the "Amendment Date") with an expiration date of _________, ____. The requested terms and conditions of the amended [Syndicated][Fronted] Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Credit Agreement, of its request for your extension of the expiration date of the [Syndicated][Fronted] Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "Extension Date") with a new expiration date of _________, ____. The terms and conditions of the [Syndicated][Fronted] Letter of Credit otherwise remain the same and are contained in the [Syndicated][Fronted] Letter of Credit attached hereto.] [●], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 D-2 [Form of Letter of Credit Application Application] Attached. EXHIBIT E [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ Assignment and Assumption] To Natixis, New York Branch Office of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX 00000 Re: Subsidiary Joinder Agreement Ladies ASSIGNMENT AND ASSUMPTION This Assignment and Gentlemen: Reference is made to the Reimbursement Agreement Assumption (the “Reimbursement AgreementAssignment and Assumption”) is dated as of February 16, 2018 among Equitable Holdings, Inc. the Transfer Date set forth below and is entered into by and between [Insert name of Assignor] (the “GuarantorAssignor”) and [Insert name of Assignee] (the “Assignee”), the Subsidiary Account Parties party thereto and Natixis, New York Branch. Capitalized terms used but not defined herein shall have the respective meanings assigned given to such terms them in the Reimbursement Credit Agreement identified below (as amended, the “Credit Agreement”), receipt of a copy of which is hereby acknowledged by the Assignee. The Guarantor Standard Terms and Conditions set forth in Annex 1 attached hereto are hereby agreed to and incorporated herein by reference and made a part of this Assignment and Assumption as if set forth herein in full. For an agreed consideration, the Assignor hereby irrevocably sells and assigns to the Assignee, and the “Subject Subsidiary” (as identified on Assignee hereby irrevocably purchases and assumes from the signature pages below)Assignor, have executed subject to and hereby deliver this Subsidiary Joinder in accordance with the Standard Terms and Conditions and the Credit Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor and the Subject Subsidiary hereby represent and warrant and agree that as of the Transfer Date inserted by the Administrative Agent as contemplated below (i) all of the Assignor’s rights and obligations in its capacity as a Bank under the Credit Agreement and any other documents or instruments delivered pursuant thereto to the extent related to the amount and percentage interest identified below of all of such outstanding rights and obligations of the Assignor under the facility identified below and (ii) to the extent permitted to be assigned under applicable law, all claims, suits, causes of action and any other right of the Assignor (in its capacity as a Bank) against any Person, whether known or unknown, arising under or in connection with the Credit Agreement, any other documents or instruments delivered pursuant thereto or the credit transactions governed thereby or in any way based on or related to any of the foregoing, including contract claims, tort claims, malpractice claims, statutory claims and all other claims at law or in equity related to the rights and obligations sold and assigned pursuant to clause (i) above (the rights and obligations sold and assigned pursuant to clauses (i) and (ii) above being referred to herein collectively as the “Joinder Effective Date” (Assigned Interest”). Such sale and assignment is without recourse to the Assignor and, except as defined below):expressly provided in this Assignment and Assumption, without representation or warranty by the Assignor.

Letter of Credit No. With reference to the above, we hereby claim payment of [●] U.S. dollars (USD [●]) the amount of which should be paid to the following account: [●] EXHIBIT B-1 C-1 [Form of Letter of Credit Request] NatixisBank of America, New York BranchN.A., as LC Issuer administrative agent under the Reimbursement Credit Agreement referred to below [[NAME OF FRONTING ISSUING BANK], as Fronting Issuing Bank under the Credit Agreement referred to below] _________ __, ____ Attention: Re: [●] (the "Subsidiary Account Party"“Obligor”) Reference is made to the Reimbursement Credit Agreement, dated as of February 1624, 2018 2023 (as the same may be amended, restated, amended and restated, supplemented or otherwise modified from time to time, the "Reimbursement “Credit Agreement"”), among Equitable Holdings, Xxxxxxx Financial Inc., the Subsidiary Account Parties from time to time party thereto, the Banks from time to time party thereto and NatixisBank of America, New York BranchN.A. as administrative agent. Capitalized terms used herein without definition are used as defined in the Reimbursement Credit Agreement. [The Subsidiary Account Party Obligor hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Credit Agreement, of its request for your issuance of a [Syndicated][Fronted] Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $_________, to be issued on _________, ____ (the "“Issue Date"”) with an expiration date of _________, ____. The requested terms and conditions of the [Syndicated][Fronted] Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party Obligor hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Credit Agreement, of its request for your amendment of the [Syndicated][Fronted] Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party Obligor requests that the amended [Syndicated][Fronted] Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $_________, to be amended as of _________, ____ (the "“Amendment Date"”) with an expiration date of _________, ____. The requested terms and conditions of the amended [Syndicated][Fronted] Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party Obligor hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Credit Agreement, of its request for your extension of the expiration date of the [Syndicated][Fronted] Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party Obligor requests that the extension take effect on _________, ____ (the "“Extension Date"”) with a new expiration date of of_________, ____. The terms and conditions of the [Syndicated][Fronted] Letter of Credit otherwise remain the same and are contained in the [Syndicated][Fronted] Letter of Credit attached hereto.] [●], as the Subsidiary Account Party Obligor By: Name: Title: EXHIBIT B-2 C-2 [Form of Letter of Credit Application Application] Attached. EXHIBIT D [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ Assignment and Assumption] To Natixis, New York Branch Office of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX 00000 Re: Subsidiary Joinder Agreement Ladies ASSIGNMENT AND ASSUMPTION This Assignment and Gentlemen: Reference is made to the Reimbursement Agreement Assumption (the “Reimbursement AgreementAssignment and Assumption”) is dated as of February 16, 2018 among Equitable Holdings, Inc. the Transfer Date set forth below and is entered into by and between [Insert name of Assignor] (the “GuarantorAssignor”) and [Insert name of Assignee] (the “Assignee”), the Subsidiary Account Parties party thereto and Natixis, New York Branch. Capitalized terms used but not defined herein shall have the respective meanings assigned given to such terms them in the Reimbursement Credit Agreement identified below (as amended, restated, amended and restated, supplemented or otherwise modified from time to time, the “Credit Agreement”), receipt of a copy of which is hereby acknowledged by the Assignee. The Guarantor Standard Terms and Conditions set forth in Annex 1 attached hereto are hereby agreed to and incorporated herein by reference and made a part of this Assignment and Assumption as if set forth herein in full. For an agreed consideration, the Assignor hereby irrevocably sells and assigns to the Assignee, and the “Subject Subsidiary” (as identified on Assignee hereby irrevocably purchases and assumes from the signature pages below)Assignor, have executed subject to and hereby deliver this Subsidiary Joinder in accordance with the Standard Terms and Conditions and the Credit Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor and the Subject Subsidiary hereby represent and warrant and agree that as of the Transfer Date inserted by the Administrative Agent as contemplated below (i) all of the Assignor’s rights and obligations in its capacity as a Bank under the Credit Agreement and any other documents or instruments delivered pursuant thereto to the extent related to the amount and percentage interest identified below of all of such outstanding rights and obligations of the Assignor under the facility identified below and (ii) to the extent permitted to be assigned under applicable law, all claims, suits, causes of action and any other right of the Assignor (in its capacity as a Bank) against any Person, whether known or unknown, arising under or in connection with the Credit Agreement, any other documents or instruments delivered pursuant thereto or the credit transactions governed thereby or in any way based on or related to any of the foregoing, including contract claims, tort claims, malpractice claims, statutory claims and all other claims at law or in equity related to the rights and obligations sold and assigned pursuant to clause (i) above (the rights and obligations sold and assigned pursuant to clauses (i) and (ii) above being referred to herein collectively as the “Joinder Effective Assigned Interest”). Such sale and assignment is without recourse to the Assignor and, except as expressly provided in this Assignment and Assumption, without representation or warranty by the Assignor. Assignor: Assignee: [and is an Affiliate of [identify Bank] Administrative Agent: Bank of America, N.A., as the administrative agent under the Credit Agreement Credit Agreement: Revolving Credit Agreement, dated as of February [24], 2023, among Xxxxxxx Financial Inc., the Subsidiary Account Parties from time to time party thereto, the Banks from time to time party thereto and Bank of America, N.A., as Administrative Agent Assigned Interest: Facility Assigned Aggregate Amount of Commitment/LC Exposure for all Banks Amount of Commitment/LC Exposure Assigned Percentage Assigned of Commitment/LC Exposure9 $ $ % $ $ % $ $ % Transfer Date” (: , 20 [TO BE INSERTED BY ADMINISTRATIVE AGENT AND WHICH SHALL BE THE EFFECTIVE DATE OF RECORDATION OF TRANSFER IN THE REGISTER THEREFOR.] 9 Set forth, to at least 9 decimals, as defined below):a percentage of the Commitment/LC Exposure of all Banks thereunder. The terms set forth in this Assignment and Assumption are hereby agreed to: ASSIGNOR [NAME OF ASSIGNOR] By: Name: Title: ASSIGNEE [NAME OF ASSIGNEE] By: Name: Title: [Consented to] and Accepted: BANK OF AMERICA, N.A., as Administrative Agent By: Name: Title: [Consented to:] NAME OF FRONTING ISSUING BANK By: Name: Title: [Consented to:] XXXXXXX FINANCIAL INC. By: Name: Title:] ANNEX 1 STANDARD TERMS AND CONDITIONS FOR ASSIGNMENT AND ASSUMPTION

Letter of Credit No. With reference to the above, we hereby claim payment of [●•] U.S. dollars (USD [●•]) the amount of which should be paid to the following account: [●•] EXHIBIT B-1 [Form of Letter of Credit Request] NatixisJPMorgan Chase Bank, New York BranchN.A., as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●•] (the "“Subsidiary Account Party"”) Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "“Reimbursement Agreement"”), among AXA Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and NatixisJPMorgan Chase Bank, New York Branch. N.A. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________$ , to be issued on ________, ____ (the "“Issue Date"”) with an expiration date of _________, ____. The .The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________$ , to be amended as of ________, ____ (the "“Amendment Date"”) with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "“Extension Date"”) with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●•], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To NatixisTo: JPMorgan Chase Bank, New York Branch Office of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx N.A. 000 Xxxxxxx Xxxxxx, 00xx Xxxxx Xxx Xxxx, XX XX, 00000 Attention: Xxxxx Xxxxxx Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among AXA Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and NatixisJPMorgan Chase Bank, New York Branch. N.A. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor Company and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●] U.S. dollars (USD [●]) the amount of which should be paid to the following account: [●] EXHIBIT B-1 [Form of Letter of Credit Request] NatixisHSBC Bank USA, New York BranchNational Association, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●] (the "Subsidiary Account Party") Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement Agreement"), among Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and NatixisHSBC Bank USA, New York BranchNational Association. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________, to be issued on ________, ____ (the "Issue Date") with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________, to be amended as of ________, ____ (the "Amendment Date") with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "Extension Date") with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To NatixisHSBC Bank USA, New York Branch Office of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx National Association 000 Xxxxx Xxxxxx, X0 Xxx Xxxx, XX Xxx Xxxx 00000 Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and NatixisHSBC Bank USA, New York BranchNational Association. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●•] U.S. dollars (USD [●•]) the amount of which should be paid to the following account: [●•] EXHIBIT B-1 [Form of Letter of Credit Request] Natixis, New York Branch, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●•] (the "“Subsidiary Account Party"”) Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "“Reimbursement Agreement"”), among AXA Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and Natixis, New York Branch. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________$ , to be issued on ________, ____ (the "“Issue Date"”) with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________$ , to be amended as of ________, ____ (the "“Amendment Date"”) with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "“Extension Date"”) with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●•], as the Subsidiary Account Party By: ____________________________________ Name: __________________________________ Title: ___________________________________ EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To Natixis, New York Branch Office of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX 00000 Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among AXA Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and Natixis, New York Branch. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor Company and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●] U.S. dollars (USD [●]) the amount of which should be paid to the following account: [●] EXHIBIT B-1 B [Form of Letter of Credit Request] NatixisLandesbank Hessen-Thüringen Girozentrale, acting through its New York Branch, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●] (the "Subsidiary Account Party") Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement Agreement"), among Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and NatixisLandesbank Hessen-Thüringen Girozentrale, acting through its New York Branch. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________, to be issued on ________, ____ (the "Issue Date") with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________, to be amended as of ________, ____ (the "Amendment Date") with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "Extension Date") with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] We confirm that each condition specified in Section 3.01 of the Agreement is satisfied on the date of this Letter of Credit Request and that the Letter of Credit will be used only to support reinsurance of the Applicant and the Guarantor. We further confirm that none of the conditions specified in Section 2.01(f) of the Agreement have occurred and are continuing. Delivery instructions and contact information: [to be delivered to the beneficiary.] [amend as appropriate] [●], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To Natixis, Landesbank Hessen-Thüringen Girozentrale New York Branch Office of the General Counsel 0000 000 Xxxxx Xxxxxx xx xxx Xxxxxxxx Xxx XxxxNew York, XX 00000 NY 10018‑2729 Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (as the “same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement Agreement”") dated as of February 16, 2018 among Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and NatixisLandesbank Hessen-Thüringen Girozentrale, acting through its New York Branch. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●] U.S. dollars (USD [●]) the amount of which should be paid to the following account: [●] EXHIBIT B-1 B [Form of Letter of Credit Request] NatixisLandesbank Hessen-Thüringen Girozentrale, acting through its New York Branch, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●] (the "Subsidiary Account Party") Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement Agreement"), among Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and NatixisLandesbank Hessen-Thüringen Girozentrale, acting through its New York Branch. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________, to be issued on ________, ____ (the "Issue Date") with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________, to be amended as of ________, ____ (the "Amendment Date") with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "Extension Date") with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] We confirm that each condition specified in Section 3.01 of the Agreement is satisfied on the date of this Letter of Credit Request and that the Letter of Credit will be used only to support reinsurance of the Applicant and the Guarantor. We further confirm that none of the conditions specified in Section 2.01(f) of the Agreement have occurred and are continuing. Delivery instructions and contact information: [to be delivered to the beneficiary.] [amend as appropriate] [●], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To Natixis, Landesbank Hessen-Thüringen Girozentrale New York Branch Office of the General Counsel 0000 000 Xxxxx Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX 00000 00000‑2729 Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (as the “same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement Agreement”") dated as of February 16, 2018 among Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and NatixisLandesbank Hessen-Thüringen Girozentrale, acting through its New York Branch. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●•] U.S. dollars (USD [●•]) the amount of which should be paid to the following account: [●•] EXHIBIT B-1 [Form of Letter of Credit Request] Natixis, New York BranchCredit Agricole Corporate and Investment Bank, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●•] (the "“Subsidiary Account Party"”) Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "“Reimbursement Agreement"”), among AXA Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and Natixis, New York BranchCredit Agricole Corporate and Investment Bank. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________$ , to be issued on ________, ____ (the "“Issue Date"”) with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________$ , to be amended as of ________, ____ (the "“Amendment Date"”) with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "“Extension Date"”) with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●•], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To Natixis, New York Branch Office of the General Counsel 0000 Credit Agricole Corporate and Investment Xxxx0000 Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX Xxx Xxxx 00000 Attention: Xxxxxxxx Bambuck Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among AXA Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and Natixis, New York BranchCredit Agricole Corporate and Investment Bank. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor Company and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●] U.S. dollars (USD [●]) the amount of which should be paid to the following account: [●] EXHIBIT B-1 [Form of Letter of Credit Request] Natixis, New York BranchBarclays Bank PLC, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●] (the "Subsidiary Account Party") Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement Agreement"), among Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and Natixis, New York BranchBarclays Bank PLC. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________, to be issued on ________, ____ (the "Issue Date") with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________, to be amended as of ________, ____ (the "Amendment Date") with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "Extension Date") with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To Natixis, New York Branch Office of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx Barclays Bank PLC 000 Xxxxxxx Xxx. Xxx Xxxx, XX 00000 Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and Natixis, New York BranchBarclays Bank PLC. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●•] U.S. dollars (USD [●•]) the amount of which should be paid to the following account: [●Beneficiary’s name and address] By its authorized officer: [INSERT ORIGINAL SIGNATURE] [INSERT TYPED/PRINTED NAME AND TITLE] EXHIBIT B-1 [Form of Letter of Credit Request] Natixis, New York BranchCitibank Europe PLC, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●•] (the "“Subsidiary Account Party"”) Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "“Reimbursement Agreement"”), among AXA Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and Natixis, New York BranchCitibank Europe PLC. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________$ , to be issued on ________, ____ (the "“Issue Date"”) with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________$ , to be amended as of ________, ____ (the "“Amendment Date"”) with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "“Extension Date"”) with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●•], as the Subsidiary Account Party By: ____________________________________ Name: __________________________________ Title: ___________________________________ EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To Natixis, New York Branch Office of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX 00000 Citibank Europe PLC [Address] Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among AXA Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and Natixis, New York BranchCitibank Europe PLC. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor Company and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●amount in words] U.S. dollars (USD [●amount in numbers]) the amount of which should be paid to the following account: [●] (Insert wire transfer instructions) (Name of Beneficiary) (Name of Authorized Signatory) (Signature) EXHIBIT B-1 [Form of Letter of Credit Request] NatixisCommerzbank AG, New York Branch, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: :[●] (the "Subsidiary Account Party") Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement Agreement"), among Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and NatixisCommerzbank AG, New York Branch. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________, to be issued on ________, ____ (the "Issue Date") with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________, to be amended as of ________, ____ (the "Amendment Date") with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "Extension Date") with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To NatixisCommerzbank AG, New York Branch Office of the General Counsel 0000 000 Xxxxxxx Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX 00000 00000-0000 Attn: CTS- Documentary Business Group Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and NatixisCommerzbank AG, New York Branch. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●] U.S. dollars (USD [●]) the amount of which should be paid to the following account: [●] EXHIBIT B-1 [Form of Letter of Credit Request] Natixis, New York BranchCredit Agricole Corporate and Investment Bank, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●] (the "Subsidiary Account Party") Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement Agreement"), among Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and Natixis, New York BranchCredit Agricole Corporate and Investment Bank. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________, to be issued on ________, ____ (the "Issue Date") with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________, to be amended as of ________, ____ (the "Amendment Date") with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "Extension Date") with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To Natixis, New York Branch Office of the General Counsel Credit Agricole Corporate and Investment Bank 0000 Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX Xxx Xxxx 00000 Attention: Xxxxxxxx Bambuck Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and Natixis, New York BranchCredit Agricole Corporate and Investment Bank. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●•] U.S. dollars (USD [●•]) the amount of which should be paid to the following account: [●•] EXHIBIT B-1 C EXHIBIT D-1 [Form of Letter of Credit Request] NatixisJPMorgan Chase Bank, New York BranchN.A., as LC Issuer administrative agent under the Reimbursement Credit Agreement referred to below _________ __[[NAME OF FRONTING ISSUING BANK], ____ as Fronting Issuing Bank under the Credit Agreement referred to below] , Attention: Re: [●•] (the "“Subsidiary Account Party"”) Reference is made to the Reimbursement Credit Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement “Credit Agreement"”), among AXA Equitable Holdings, Inc., the Subsidiary Account Parties party thereto, the Banks party thereto and NatixisJPMorgan Chase Bank, New York BranchN.A. as administrative agent. Capitalized terms used herein without definition are used as defined in the Reimbursement Credit Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Credit Agreement, of its request for your issuance of a [Syndicated][Fronted] Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________$ , to be issued on ________, ____ (the "“Issue Date"”) with an expiration date of _________, ____. The requested terms and conditions of the [Syndicated][Fronted] Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Credit Agreement, of its request for your amendment of the [Syndicated][Fronted] Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended [Syndicated][Fronted] Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________$ , to be amended as of ________, ____ (the "“Amendment Date"”) with an expiration date of _________, ____. The requested terms and conditions of the amended [Syndicated][Fronted] Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Credit Agreement, of its request for your extension of the expiration date of the [Syndicated][Fronted] Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "“Extension Date"”) with a new expiration date of _________, ____. The terms and conditions of the [Syndicated][Fronted] Letter of Credit otherwise remain the same and are contained in the [Syndicated][Fronted] Letter of Credit attached hereto.] [●•], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 D-2 [Form of Letter of Credit Application Application] Attached. EXHIBIT E [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ Assignment and Assumption] To Natixis, New York Branch Office of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX 00000 Re: Subsidiary Joinder Agreement Ladies ASSIGNMENT AND ASSUMPTION This Assignment and Gentlemen: Reference is made to the Reimbursement Agreement Assumption (the “Reimbursement AgreementAssignment and Assumption”) is dated as of February 16, 2018 among Equitable Holdings, Inc. the Transfer Date set forth below and is entered into by and between [Insert name of Assignor] (the “GuarantorAssignor”) and [Insert name of Assignee] (the “Assignee”), the Subsidiary Account Parties party thereto and Natixis, New York Branch. Capitalized terms used but not defined herein shall have the respective meanings assigned given to such terms them in the Reimbursement Credit Agreement identified below (as amended, the “Credit Agreement”), receipt of a copy of which is hereby acknowledged by the Assignee. The Guarantor Standard Terms and Conditions set forth in Annex 1 attached hereto are hereby agreed to and incorporated herein by reference and made a part of this Assignment and Assumption as if set forth herein in full. For an agreed consideration, the Assignor hereby irrevocably sells and assigns to the Assignee, and the “Subject Subsidiary” (as identified on Assignee hereby irrevocably purchases and assumes from the signature pages below)Assignor, have executed subject to and hereby deliver this Subsidiary Joinder in accordance with the Standard Terms and Conditions and the Credit Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor and the Subject Subsidiary hereby represent and warrant and agree that as of the Transfer Date inserted by the Administrative Agent as contemplated below (i) all of the Assignor’s rights and obligations in its capacity as a Bank under the Credit Agreement and any other documents or instruments delivered pursuant thereto to the extent related to the amount and percentage interest identified below of all of such outstanding rights and obligations of the Assignor under the facility identified below and (ii) to the extent permitted to be assigned under applicable law, all claims, suits, causes of action and any other right of the Assignor (in its capacity as a Bank) against any Person, whether known or unknown, arising under or in connection with the Credit Agreement, any other documents or instruments delivered pursuant thereto or the credit transactions governed thereby or in any way based on or related to any of the foregoing, including contract claims, tort claims, malpractice claims, statutory claims and all other claims at law or in equity related to the rights and obligations sold and assigned pursuant to clause (i) above (the rights and obligations sold and assigned pursuant to clauses (i) and (ii) above being referred to herein collectively as the “Joinder Effective Date” (Assigned Interest”). Such sale and assignment is without recourse to the Assignor and, except as defined below):expressly provided in this Assignment and Assumption, without representation or warranty by the Assignor.

Letter of Credit No. With reference to the aboveDate: Xxxxx Fargo Bank, we hereby claim payment of [●] U.S. dollars (USD [●]) the amount of which should be paid to the following accountN.A. Trade Services Division, Northern California Xxx Xxxxx Xxxxxx, 00xx Xxxxx Xxx Xxxxxxxxx, Xxxxxxxxxx 00000 Subject: [●] EXHIBIT B-1 [Form of Your Letter of Credit Request] Natixis, New York Branch, as LC Issuer under the Reimbursement Agreement referred to below __No. _______ __Ladies and Gentlemen: For value received, ____ Attention: Re: [●] (we hereby irrevocably assign and transfer all our rights under the "Subsidiary Account Party") Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "Reimbursement Agreement"), among Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and Natixis, New York Branch. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a above-captioned Letter of Credit, as heretofore and hereafter amended, extended or increased, to: [insert name of transferee] [insert address] By this transfer, all of our rights in the form attached heretoLetter of Credit are transferred to the transferee, for and the benefit transferee shall have sole rights as beneficiary under the Letter of [Name Credit, including sole rights relating to any amendments, whether increases or extensions or other amendments, and address whether now existing or hereafter made. You are hereby irrevocably instructed to advise future amendment(s) of Beneficiary], in the amount Letter of $________, Credit to be issued on ________, ____ (the "Issue Date") with an expiration date transferee without our consent or notice to us. Enclosed are the original Letter of _________, ____Credit and the original of all amendments to this date. The requested Please notify the transferee of this transfer and of the terms and conditions of the Letter of Credit are contained in as transferred. This transfer will not become effective until the form attached hereto.] [transferee is so notified. The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) transferee has succeeded Warland Investments Company or a successor owner as owner of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests “Premises” (as that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________, to be amended as of ________, ____ (the "Amendment Date") with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "Extension Date") with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained is defined in the Letter of Credit attached hereto.Credit) Very truly yours, [insert name of transferor] [●], as the Subsidiary Account Party By: Name: Title: Signature of Transferor Guaranteed [insert name of bank] By: Name: Title: [a corporate notary acknowledgement or a certificate of authority with corporate seal is acceptable in lieu of bank guarantee above] end format Agreed to and accepted by: APPLICANT EXHIBIT B-2 Form of Letter of Credit Application [See Attached] “F” EXHIBIT C Form of Subsidiary Joinder Agreement [ ]“G” BUILDING RULES AND REGULATIONS Except as specifically provided in the Lease to which these Rules and Regulations are attached, 20[ ] To Natixisno sign, New York Branch Office placard, picture, advertisement, name or notice shall be installed or displayed on any part of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX 00000 Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to outside or inside of the Reimbursement Agreement (Building or the “Reimbursement Agreement”) dated as Project without the prior written consent of February 16, 2018 among Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and Natixis, New York BranchLandlord. Capitalized terms used but not defined herein Landlord shall have the respective meanings assigned right to such terms remove, at Tenant’s expense and without notice, any sign installed or displayed in violation of this rule. All approved signs or lettering on doors and walls shall comply with all then-applicable governmental requirements and shall be printed, painted, affixed or inscribed at the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) expense of the Reimbursement Agreement, in order to designate the Subject Subsidiary as Tenant by a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):person or company designated by Landlord.

Letter of Credit No. With reference to the above, we hereby claim payment of [●•] U.S. dollars (USD [●•]) the amount of which should be paid to the following account: [●•] EXHIBIT B-1 [Form of Letter of Credit Request] NatixisHSBC Bank USA, New York BranchNational Association, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●•] (the "“Subsidiary Account Party"”) Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "“Reimbursement Agreement"”), among AXA Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and NatixisHSBC Bank USA, New York BranchNational Association. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________$ , to be issued on ________, ____ (the "“Issue Date"”) with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________$ , to be amended as of ________, ____ (the "“Amendment Date"”) with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "“Extension Date"”) with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●•], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To NatixisHSBC Bank USA, New York Branch Office of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx National Association 000 Xxxxx Xxxxxx, X0 Xxx Xxxx, XX Xxx Xxxx 00000 Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among AXA Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and NatixisHSBC Bank USA, New York BranchNational Association. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor Company and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●•] U.S. dollars (USD [●•]) the amount of which should be paid to the following account: [●•] EXHIBIT B-1 [Form of Letter of Credit Request] NatixisLandesbank Hessen-Thüringen Girozentrale, acting through its New York Branch, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●•] (the "“Subsidiary Account Party"”) Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "“Reimbursement Agreement"”), among AXA Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and NatixisLandesbank Hessen-Thüringen Girozentrale, acting through its New York Branch. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________$ , to be issued on ________, ____ (the "“Issue Date"”) with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________$ , to be amended as of ________, ____ (the "“Amendment Date"”) with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "“Extension Date"”) with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●•], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To Natixis, Landesbank Hessen-Thüringen Girozentrale New York Branch Office of the General Counsel 0000 000 Xxxxx Xxxxxx xx xxx Xxxxxxxx Xxx Xxxx, XX 00000 00000-0000 Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among AXA Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and NatixisLandesbank Hessen-Thüringen Girozentrale, acting through its New York Branch. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor Company and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):

Letter of Credit No. With reference to the above, we hereby claim payment of [●•] U.S. dollars (USD [●•]) the amount of which should be paid to the following account: [●•] EXHIBIT B-1 [Form of Letter of Credit Request] Natixis, New York BranchBarclays Bank PLC, as LC Issuer under the Reimbursement Agreement referred to below _________ __, ____ Attention: Re: [●•] (the "“Subsidiary Account Party"”) Reference is made to the Reimbursement Agreement, dated as of February 16, 2018 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the "“Reimbursement Agreement"”), among AXA Equitable Holdings, Inc., the Subsidiary Account Parties party thereto and Natixis, New York BranchBarclays Bank PLC. Capitalized terms used herein without definition are used as defined in the Reimbursement Agreement. [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your issuance of a Letter of Credit, in the form attached hereto, for the benefit of [Name and address of Beneficiary], in the amount of $________$ , to be issued on ________, ____ (the "“Issue Date"”) with an expiration date of _________, ____. The requested terms and conditions of the Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your amendment of the Letter of Credit attached hereto, currently issued for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the amended Letter of Credit be in the form attached hereto, for the benefit of the Beneficiary, in the amount of $________$ , to be amended as of ________, ____ (the "“Amendment Date"”) with an expiration date of _________, ____. The requested terms and conditions of the amended Letter of Credit are contained in the form attached hereto.] [The Subsidiary Account Party hereby gives you notice pursuant to Section 2.01(b) of the Reimbursement Agreement, of its request for your extension of the expiration date of the Letter of Credit attached hereto, for the benefit of [Name and address of Beneficiary]. The Subsidiary Account Party requests that the extension take effect on ________, ____ (the "“Extension Date"”) with a new expiration date of _________, ____. The terms and conditions of the Letter of Credit otherwise remain the same and are contained in the Letter of Credit attached hereto.] [●•], as the Subsidiary Account Party By: Name: Title: EXHIBIT B-2 Form of Letter of Credit Application [See Attached] EXHIBIT C Form of Subsidiary Joinder Agreement [ ], 20[ ] To Natixis, New York Branch Office of the General Counsel 0000 Xxxxxx xx xxx Xxxxxxxx Barclays Bank PLC 000 Xxxxxxx Xxx. Xxx Xxxx, XX 00000 Re: Subsidiary Joinder Agreement Ladies and Gentlemen: Reference is made to the Reimbursement Agreement (the “Reimbursement Agreement”) dated as of February 16, 2018 among AXA Equitable Holdings, Inc. (the “Guarantor”), the Subsidiary Account Parties party thereto and Natixis, New York BranchBarclays Bank PLC. Capitalized terms used but not defined herein shall have the respective meanings assigned to such terms in the Reimbursement Agreement. The Guarantor and the “Subject Subsidiary” (as identified on the signature pages below), have executed and hereby deliver this Subsidiary Joinder Agreement, pursuant to Section 8.11(a) of the Reimbursement Agreement, in order to designate the Subject Subsidiary as a Subsidiary Account Party to the Reimbursement Agreement. Accordingly, the Guarantor Company and the Subject Subsidiary hereby represent and warrant and agree that as of the “Joinder Effective Date” (as defined below):