ENDORSEMENT APPLICABLE TO ROTH IRA CONTRACTS In this Endorsement "we", "our" and "us" mean AXA Equitable Life Insurance Company and "you" and "your" mean the Owner. For purposes of this Endorsement, references to "Contract" also include "Certificate"....Roth Ira Contracts • August 20th, 2008 • Separate Acct No 49 of Axa Equitable Life Insurance Co
