AGREEMENT FOR SERVICES BY THE EQUITABLE LIFE ASSURANCE SOCIETY
          OF THE UNITED STATES TO AXA NETWORK, LLC AND ITS SUBSIDIARIES

     Agreement made as of the 1st day of January, 2000 between THE EQUITABLE
LIFE ASSURANCE SOCIETY OF THE UNITED STATES, a New York stock life insurance
company ("Equitable Life"); AXA NETWORK, LLC, a Delaware limited liability
company; and AXA Network, LLC's direct or indirect subsidiaries (AXA Network,
LLC and such subsidiaries hereinafter referred to as "AXA Network").

     WHEREAS, both Equitable Life and AXA Network are indirect wholly-owned
subsidiaries of AXA Financial, Inc.;

     WHEREAS, AXA Network desires to utilize Equitable Life personnel, property
and services in carrying out its management, administrative and other functions
and Equitable Life is willing to furnish the same on the terms and conditions
hereinafter set forth;

     WHEREAS, Equitable Life desires to be reimbursed for its costs and expenses
incurred in rendering such services to AXA Network; and

     WHEREAS, both Equitable Life and AXA Network desire to enter into an
agreement that supersedes the Services Agreement dated January 1, 1987 between
Equitable Life and Traditional Equinet Business Corporation of New York and its
subsidiaries (predecessor to AXA Network);

     NOW, THEREFORE, the parties do hereby agree as follows:

1.   Equitable Life from time to time may provide, as available, to AXA Network
     the personnel, property and services reasonably necessary to perform its
     management, administrative and other functions. The services to be
     furnished may include, without limitation, management, corporate finance,
     strategic planning, administration, office and general supplies, financial
     and cash management, printing, accounting, tax, auditing, legal, human
     resources, corporate and financial communications, marketing, risk
     management, communications, technology, data processing and corporate
     secretarial services. The Equitable Life services shall not include any
     services provided to AXA Network by Equitable Life pursuant to separate
     agreements.

2.   AXA Network shall pay the actual costs (direct and indirect) and expenses
     incurred by Equitable Life in furnishing personnel, property and services
     pursuant to this Agreement. In determining the basis for the apportionment
     of costs and expenses, specific identification or estimates based on time,
     company assets, square footage or any other mutually agreeable method
     providing for a fair and reasonable allocation of costs and expenses may be
     used provided such method is in conformity with generally accepted
     accounting principles and with the requirements of Section 1505(a) of the
     New York Insurance Law and New York Insurance Department Regulation No. 33.
     The charge to AXA Network for such apportioned expenses shall be at cost as
     described in this Section 2.

3.   Within 45 days after the end of each calendar quarter, and more often if
     desired, Equitable Life shall submit to AXA Network a statement of
     apportioned expenses showing the basis for the apportionment of each item.
     Settlement, which shall be on a cost basis, shall be made 45 days
     thereafter. The statement of apportioned expenses shall set forth in
     reasonable detail the nature of the costs and expenses being apportioned
     and other relevant information to support the charges.

4.   (a) The total amount of each such statement shall be allocated among the
     AXA Network entities executing this Agreement in the same proportion that
     the volume of business of each one of the AXA Network entities bears to the
     total volume of business of all the AXA Network entities for the period of
     time to which the statement relates, provided that, if, in the judgment of
     the management of the AXA Network entities, a specific charge or expense is
     attributable to one or more of the AXA Network entities, such charge or
     expense shall be allocated to such one of the AXA Network entities which in
     management's judgment incurred such charge or expense.

     (b) After the total amount of each statement has been allocated as provided
     in (a) above, each one of the AXA Network entities shall forward the amount
     of the statement allocated to it directly to Equitable Life or, if the
     management of AXA Network so determines, the AXA Network entity shall
     forward such amounts directly to AXA Network, LLC, which shall promptly
     forward the total amount of the statement directly to Equitable Life on
     behalf of AXA Network.

5.   Each of Equitable Life and AXA Network shall have the right to conduct an
     audit of the other's books, records and accounts, giving reasonable notice
     of its intent to conduct such an audit. In the event of such an audit, each
     shall give to the other reasonable cooperation and access to all books,
     records and accounts necessary to the audit.

6.   Each of Equitable Life and AXA Network shall be and remain sole owner of
     its records, including but not limited to business and corporate records,
     regardless of the use or possession by either of the other's records.
     Equitable Life and AXA Network shall each individually maintain separate
     books, accounts and records in respect to personnel, property and services
     provided under this Agreement and shall cooperate and use reasonable
     efforts to prepare and/or obtain in a timely fashion any and all books,
     accounts, records or other documentation as may be necessary or desirable
     in connection with this Agreement and/or the personnel, property or
     services provided hereunder.

7.   The books, accounts and records of Equitable Life and AXA Network as to all
     transactions between them under this Agreement shall be maintained so as to
     clearly and accurately disclose the nature and details of the transactions,
     including such accounting information as is necessary to support the
     reasonableness of the charges under this Agreement.

8.   Should an irreconcilable difference of opinion between Equitable Life and
     AXA Network arise as to the interpretation of any matter respecting this
     Agreement, it is hereby mutually agreed that such differences shall be
     submitted to arbitration as the sole remedy available to the parties. Such
     arbitration shall be in accordance with the rules of the American
     Arbitration Association, the arbitrators shall have extensive experience in
     the insurance industry, and the arbitration shall take place in New York,
     New York.

9.   The term of this Agreement shall commence as of the effective date of this
     Agreement and continue until terminated by either Equitable Life or AXA
     Network on not less than 60 days prior written notice to the other or by an
     agreement in writing signed by all parties specifying the effective date of
     termination.

10.  This Agreement shall be governed by and interpreted in accordance with the
     laws of the State of New York.

11.  The requirements of Equitable Life shall take precedence over the
     requirements of AXA Network under this Agreement, and Equitable Life shall
     furnish personnel, property and services to AXA Network only when Equitable
     Life has available capacity to do so.

12.  No assignment of this Agreement shall be made by either Equitable Life or
     AXA Network without the prior written consent of the other.

13.  Subject to Section 12 above, this Agreement shall inure to the benefit of
     and be binding upon the successors and assigns of the parties hereto.

                 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES

                 By:     /s/ Stanley B. Tulin
                    -----------------------------------------------------------
                        Name:     Stanley B. Tulin
                        Title:    Vice Chairman and Chief Financial
                                         Officer

                 AXA NETWORK, LLC
                 AXA NETWORK OF ALABAMA, LLC
                 AXA NETWORK OF CONNECTICUT, MAINE AND NEW YORK, LLC
                 AXA NETWORK INSURANCE AGENCY OF MASSACHUSETTS, LLC
                 EQUISOURCE OF NEVADA, INC. (to be renamed AXA Network Of
                        Nevada, Inc.)
                 EQUISOURCE OF PUERTO RICO, INC. (to be renamed AXA Network
                        Of Puerto Rico, Inc.)
                 EQUISOURCE OF NEW YORK, INC. as agent for EQUISOURCE
                        INSURANCE AGENCY OF TEXAS, INC. (to be renamed AXA
                        Network Insurance Agency of Texas, Inc.)

                 By:     /s/ Debra A. Brogan
                    -----------------------------------------------------------
                        Name:     Debra A. Brogan
                        Title:    President