Common use of How to communicate with us Clause in Contracts

How to communicate with us. All transaction requests and other notices to us must be in writing in a form satisfactory to us, and delivered by U.S. mail to our Processing Office, except to the extent we agree, by advance written notification to you, to receive such requests or notices in another manner. We may choose to change a previously accepted manner of communication at our discretion. Transaction requests or other communications sent to us will not be effective until received at the Processing Office. Your Contract Number should be included in all correspondence. APPENDIX A Joint Life Reduction Rates Age of Participant Age of Spouse 60 61 62 63 64 65 66 67 68 69 70 50 [58 % 61 % 63 % 66 % 68 % 69 % 69 % 68 % 68 % 67 % 66 % 51 59 % 62 % 64 % 66 % 68 % 70 % 70 % 69 % 69 % 68 % 67 % 52 59 % 62 % 65 % 67 % 69 % 71 % 71 % 70 % 70 % 69 % 68 % 53 60 % 63 % 66 % 68 % 70 % 72 % 72 % 71 % 71 % 70 % 69 % 54 61 % 64 % 66 % 69 % 71 % 73 % 73 % 72 % 72 % 71 % 70 % 55 61 % 64 % 67 % 70 % 72 % 74 % 74 % 73 % 73 % 72 % 71 % 56 62 % 65 % 68 % 70 % 73 % 75 % 75 % 74 % 74 % 73 % 72 % 57 63 % 66 % 69 % 71 % 74 % 76 % 76 % 75 % 75 % 74 % 73 % 58 63 % 66 % 69 % 72 % 75 % 77 % 77 % 76 % 76 % 75 % 74 % 59 64 % 67 % 70 % 73 % 75 % 78 % 78 % 77 % 77 % 76 % 76 % 60 64 % 68 % 71 % 74 % 76 % 79 % 79 % 78 % 78 % 77 % 77 % 61 65 % 68 % 72 % 75 % 77 % 80 % 80 % 80 % 79 % 79 % 78 % 62 66 % 69 % 72 % 75 % 78 % 81 % 81 % 81 % 80 % 80 % 79 % 63 66 % 70 % 73 % 76 % 79 % 82 % 82 % 82 % 82 % 81 % 81 % 64 67 % 70 % 74 % 77 % 80 % 83 % 83 % 83 % 83 % 82 % 82 % 65 67 % 71 % 75 % 78 % 81 % 84 % 84 % 84 % 84 % 84 % 83 % 66 68 % 72 % 75 % 79 % 82 % 85 % 85 % 85 % 85 % 85 % 84 % 67 68 % 72 % 76 % 79 % 83 % 86 % 86 % 86 % 86 % 86 % 86 % 68 69 % 73 % 77 % 80 % 84 % 87 % 87 % 87 % 87 % 87 % 87 % 69 69 % 73 % 77 % 81 % 84 % 88 % 88 % 88 % 89 % 89 % 88 % 70 70 % 74 % 78 % 82 % 85 % 89 % 89 % 90 % 90 % 90 % 90 % 71 70 % 74 % 78 % 82 % 86 % 89 % 90 % 91 % 91 % 91 % 91 % 72 71 % 75 % 79 % 83 % 87 % 90 % 91 % 92 % 92 % 92 % 92 % 73 71 % 75 % 79 % 83 % 87 % 91 % 92 % 92 % 93 % 93 % 94 % 74 71 % 76 % 80 % 84 % 88 % 92 % 93 % 93 % 94 % 94 % 95 % 75 72 % 76 % 80 % 85 % 89 % 92 % 93 % 94 % 95 % 96 % 96 %] Reduction rates required for ages not shown in the above table will be calculated by AXA Equitable on the same actuarial basis. APPENDIX B TABLE OF GUARANTEED ANNUITY PAYMENTS [Amount of Annuity Benefit payable monthly on the Life Annuity form with Ten* Years Certain provided by an application of $1,000. Monthly Income Monthly Income Age Males Females Age Males Females 60 3.22 2.95 80 5.17 4.74 61 3.28 3.01 81 5.38 4.92 62 3.35 3.07 82 5.60 5.12 63 3.42 3.13 83 5.84 5.32 64 3.50 3.19 84 6.09 5.54 65 3.57 3.26 85 6.36 5.77 66 3.66 3.33 86 6.65 6.02 67 3.74 3.41 87 6.94 6.28 68 3.83 3.48 88 7.24 6.54 69 3.92 3.56 89 7.55 6.81 70 4.02 3.65 90 7.85 7.08 71 4.11 3.74 91 8.15 7.36 72 4.22 3.83 92 8.48 7.64 73 4.32 3.93 93 8.82 7.94 74 4.43 4.03 94 9.18 8.26 95 9.57 8.60 75 4.55 4.14 76 4.66 4.25 77 4.78 4.37 78 4.91 4.49 79 5.04 4.61 * At age 80 and over the rates are adjusted so that the certain period does not exceed life expectancy. The amount of income provided under an Annuity Benefit payable on the Life Annuity Form with Ten Years Certain is based on 1.5% interest and mortality equal to 85% of the Annuity 2000 Mortality Table projected at 1.15% for males and 1.35% for females for a number of years equal to attained age minus 20, but not less than 30. Amounts required for ages not shown in the Table or for other annuity forms will be calculated by AXA Equitable on the same actuarial basis.]