Regular Mail: please For call Assistance, 800-338-3434 Equitable Retirement Service Solutions www.equitable.com P.O. Box 1577 Equitable Financial Life Insurance Company Secaucus, NJ 07096-1577 Equitable Advisors, LLC of America Express Mail: Equitable RETIREMENT CORNERSTONE® SERIES B Retirement Service Solutions 500 Plaza Drive Application for an Individual Annuity 7th Floor Secaucus, NJ 07094-3619 PLEASE PRINT 1. Contract Series and Type A. Contract Series Series B ($5,000 minimum contribution) B. Choose a Contract Type. R E 1 Non-Qualified    Inherited IRA BCO Direct Transfer of Decedent IRA Q U Traditional IRA Inherited Roth IRA BCO Direct Transfer of Decedent Roth IRA1 I R Roth IRA Non-Spousal Beneficiary QP Direct Rollover to an Inherited IRA BCO1 E D SEP IRA Non-Spousal Beneficiary QP Direct Rollover to an Inherited Roth IRA BCO1 Qualified Plan Defined Contribution (QPDC) Qualified Plan Defined Benefit (QPDB) 1 GMIB is not available. C. Total Initial Contribution(s): $ (Estimated Value Required In Case of Transfer) R E Specify Method(s) of Payment: Q U Check or Wire (make check payable to: EQUITABLE) Rollover (IRA, Roth IRA or SEP IRA) R I 1035 Exchange (NQ) IRA Regular Contribution for the year 20 E (IRA or Roth IRA) D CD or Mutual Fund Proceeds (NQ) Employer Contribution to SEP IRA (Employee contributions not permitted) Direct Transfer (IRA, Roth IRA or SEP IRA) Direct Rollover (Non-Spousal Beneficiary QP to Inherited IRA BCO)1 Financial Professional/Client will request funds Direct Rollover (Non-Spousal Beneficiary QP to (Equitable’s assistance in collecting funds not required) Inherited Roth IRA BCO)1 (IRA or Roth IRA) 1 GMIB is not available. Home Office: 3030 North Third Street, Suite 790, Phoenix, Arizona 85012 Cat. No. 161966 Equitable    X04468_Compact Advisors, LLC    Series B ICC20 App01 RC B -Z Page 1 of 9

2. Account Registration (Must be legal resident of U.S. or U.S. territories) Please check one R Individual    UGMA/UTMA (Child’s SSN    ) E Q U The Owner types below require additional form(s). See the New Business Form Booklet for more information. R I Trust    Qualified Plan Trust (DC/DB)    Other Non-Natural Owner E Beneficiary of Deceased IRA Owner Non-Spousal Beneficiary of Deceased QP Participant D A. Owner Male    Female Date of Birth (MM/DD/YYYY)    Daytime Phone # Owner Name (First) (Middle Initial) (Last) Employer Name (for SEP IRA contracts only) Owner Taxpayer Identification Number (Check one) SSN EIN ITIN U.S. Primary Residential Address only — No P.O. Box City State Zip Code If your Mailing Address is different from the Primary Residential Address above, please provide your Mailing Address in Section 9. Email Address Annuity Commencement Date: The Annuity Commencement Date will be the Contract Date Anniversary following the Annuitant’s 95th birthday. If GMIB is elected, the Annuity Commencement Date will be the Contract Date Anniversary following the Owner’s 95th birthday. You may commence Annuity payments earlier by submitting a written request to our Processing Office in accordance with the Contract. B. PATRIOT Act Information:    Owner must complete this section. If the owner is not an individual, the annuitant must complete this section. R E U.S. Citizen Yes    No    If yes, check one: Valid Driver’s License Passport State Issued ID Q If no, check either: U.S. Visa (Complete below) or    Permanent Resident (Green Card) (Copy of document required) U I R Identification/Passport# Exp. Date U.S. Visa Type (if applicable) E D Your Employer’s Name Your Occupation C. Joint Owner    (Must be legal resident of U.S. or U.S. territories) NQ only If GMIB elected, both owners must be ages 50-80. Male Female Date of Birth (MM/DD/YYYY)    Daytime Phone # Name (First) (Middle Initial) (Last) Taxpayer Identification Number (Check one) SSN ITIN U.S. Primary Residential Address — No P.O. Box City State Zip Code Email Address Joint Owner Form of Identification (Check one) Valid Driver’s License Passport State Issued ID Identification Number Exp. Date (MM/DD/YYYY) X04468_Compact Retirement Cornerstone® — Series B ICC20 App01 RC B -Z    Page 2 of 9

D. Annuitant    (Required if other than Owner) Annuitant must complete the PATRIOT Act Information section 2B on the previous page if the owner is NOT an individual. Male    Female Date of Birth (MM/DD/YYYY)    Daytime Phone # Name (First) (Middle Initial) (Last) Taxpayer Identification Number (Check one.) SSN ITIN U.S. Primary Residential Address only — No P.O. Box City State Zip Code E. Joint Annuitant Only complete this section if this is a NQ 1035 Exchange of an existing contract with joint annuitants who are spouses. If GMIB elected, both annuitants must be ages 50-80. Male    Female Date of Birth (MM/DD/YYYY)    Daytime Phone # Name (First) (Middle Initial) (Last) Taxpayer Identification Number (Check one) SSN ITIN U.S. Primary Residential Address only — No P.O. Box City State Zip Code 3. Beneficiary(ies)    (Please use Special Instructions for Additional Beneficiaries) R Please enter the beneficiaries full name below. Unless otherwise indicated, proceeds will be divided equally. E A. Primary Q 1. % U I Primary Beneficiary Name                Relationship to Owner1 R SSN EIN ITIN                Date of Birth (MM/DD/YYYY) E D Address    Phone # 2. % Primary Beneficiary Name                Relationship to Owner1    SSN EIN ITIN                Date of Birth (MM/DD/YYYY) Address    Phone # B. Contingent 1. % Contingent Beneficiary Name                Relationship to Owner1    SSN EIN ITIN                Date of Birth (MM/DD/YYYY) Address    Phone # 2. % Contingent Beneficiary Name                Relationship to Owner1 SSN EIN ITIN                 Date of Birth (MM/DD/YYYY) Address    Phone # 1 Enter the relationship to the annuitant when the Owner is not an Individual. X04468_Compact Retirement Cornerstone® — Series B ICC20 App01 RC B -Z    Page 3 of 9

4. Optional Guaranteed Benefit Rider Elections R These optional riders are purchased for an additional charge. You should read the disclosure on page 8, the prospectus E and applicable supplements for more complete information including the limitations, restrictions, charges and other Q information that apply to these features before making a selection. U I The death benefit, if any, in connection with the Investment Account Value is equal to amounts in the Investment Account Investment Options. R • The benefit riders are optional and may only be chosen at the time of the application. There are additional charges E D for these riders, unless otherwise noted. • If you opt out of the GMIB at issue by declining it below in section 4A or 4C, you will not be able to add it later. • Benefits under these riders apply only to amounts allocated to the Protected Benefit Account Investment Options. • You subject may to allocate the terms amounts and limitations to the Protected of the contract. Benefit Account Investment Options immediately or at a future date, • If under you do your not Contract allocate until amounts you allocate to the Protected amounts at Benefit a future Account date. Investment Options, these rider(s) will have no value • The the Owner’s age requirements age(s) when for the all benefits application are is based signed. on the Owner’s age(s) at the time the contract is issued, regardless of • If Investment the owner Account is ages 81-85, only. there are no optional benefits available and the death benefit is equal to amounts in the R 4A: Guaranteed Minimum Income Benefit (GMIB) (Not available for Inherited IRA/Inherited Roth IRA.) E • Eligible contracts will be automatically issued with the GMIB combined with the Return of Principal death Q benefit1 unless you elect otherwise in section 4A, 4B or 4C. U I • For single owned contracts the owner must be ages 20-80. For joint owned contracts both owners must be ages 50-80. R • TheAutomaticResetprogramwillbeautomaticallyincludedwiththeGMIBunlessyouopt-outinSection4D. E To opt out of the GMIB, please check the box below. D I decline the GMIB (Please go to section 4C to select GMDB only) 4B: Guaranteed Minimum Death Benefit (GMDB) with GMIB (Not available for Inherited IRA/Inherited Roth IRA) To elect a GMDB other than the Return of Principal death benefit1 with GMIB, please make an election below: single Yes, owner I wish to ages elect 20-65. Greater For of joint Annual owners Roll both up or owners Highest must Anniversary be ages 50-65. Value ) death benefit (Available only for For Yes, joint I wish owners to elect both Highest owners Anniversary must be ages Value 50-75. death ) benefit (Available only for single owner ages 20-75. 4C: GMDB Only (without GMIB) Yes, I wish to elect RMD Wealth Guard GMDB2 without GMIB (Available only for owners age 20 to 683) Yes, I wish to elect Highest Anniversary Value death benefit without GMIB (Available only for owners age 0 to 75)    Yes, I wish to elect Return of Principal GMDB1 without GMIB (Available only for owners ages 0-80) 4D: Annual Reset Election • If your contract is issued with GMIB, it will automatically include the Automatic Reset program. • The Automatic Reset program resets the GMIB and if elected the “Greater of” GMDB each year that you are eligible. If you accept the Automatic Reset program, resets will occur automatically unless such automatic resets are or have been terminated. The reset will result in a new waiting period to exercise the GMIB of up to the later of 10 years or the original exercise date, but not later than age 95. To opt out of the Automatic Reset Program, please check the box below. I decline the Automatic Reset Program. Or to elect a Customized Reset Program, check the box below. Customized Reset Program Reset my GMIB and if elected “Greater of” GMDB each year up to and including the contract anniversary date in the year    only. I understand that resets will only occur during this time period if I am eligible.                (YYYY) 1 There is no additional charge for the Return of Principal death benefit. 2 Available for Traditional IRA, SEP IRA and QPDC only. 3 The charge for this rider is based on the Owner’s age at the time the contract is issued, regardless of the Owner’s age when the application is signed. The charge is higher for Owner issue ages 65-68. X04468_Compact Retirement Cornerstone® — Series B ICC20 App01 RC B -Z    Page 4 of 9

5. Investment Selection R • You must allocate 100% of your initial contributions to either the Investment Options in Section 5A OR any Special DCA E in Section 5B. Q • All future allocations will be apportioned according to the percentages below unless instructed otherwise by you. U • Contributions Account Investment received Options after the and Special the Protected DCA program Benefit terminates Account Investment will be allocated Options to according the Investment to the    instructions below. R I • If you do not allocate amounts to the Protected Benefit Account Investment Options, the guaranteed benefits will have no E value under your contract until you allocate amounts at a future date. D PROTECTED BENEFIT ACCOUNT INVESTMENT ACCOUNT Investment Options Investment Options Total Allocation to Protected Benefit Account Total Allocation to Investment Investment Options % (percent must be a Account Investment Options % whole number) (percent must be a whole number) If your contract is issued with GMIB and you are younger Please see the Investment Account Investment Option than age 50, you may not allocate amounts to the Protected section on page 6 to select your allocations. Benefit Account until you attain age 50. Investment in the Protected Benefit Account Investment Options is not available at ages 81-85. Please see the Protected Benefit Account Investment Options section at the bottom of page 5 to select your allocations. Total Investment Account Investment Options percentage plus Protected Benefit Account Investment Options percentage must equal 100%. Choose either 5A or 5B below. 5A: Immediate Allocation R E Allocate 100% immediately to the Investment Account Investment Options and/or the Protected Benefit Q Account Investment Options. U 5B: Special Dollar Cost Averaging Programs I R Allocate 100% immediately to the Special Dollar Cost Averaging Program selected below. E Check box for one time period. D 3 months 6 months 12 months • You may designate either or both the Investment Account Investment Options and the Protected Benefit Account Investment Options as the destination Option for DCA. • If you select the Protected Benefit Account Investment Options, your funds will be considered invested in the Protected Benefit Account from the date of contribution. The destination cannot be changed to the Investment Account Investment Options at a later date. PROTECTED BENEFIT ACCOUNT Investment Options If you allocated 100% to the Investment Account Investment Options proceed to page 6 to enter your allocation instructions. If your contract is issued to the with Protected GMIB and Benefit you are Account younger until than you age attain 50, you age may 50. not allocate amounts Percentages must be whole numbers Allocation % Growth/Aggressive Growth Allocation % Moderate/Moderate Growth % EQ/AB Dynamic Aggressive Growth GB % 1290 VT Moderate Growth Allocation GB % EQ/AB Dynamic Growth GB % EQ/AB Dynamic Moderate Growth GB % EQ/Aggressive Growth Strategy GB % EQ/American Century Moderate Growth Allocation GB % EQ/Goldman Sachs Growth Allocation GB % EQ/AXA Investment Managers Moderate Allocation GB % EQ/Growth Strategy GB % EQ/Balanced Strategy GB % EQ/JPMorgan Growth Allocation GB % EQ/First Trust Moderate Growth Allocation GB % EQ/Legg Mason Growth Allocation GB % EQ/Goldman Sachs Moderate Growth Allocation GB Conservative/Conservative Growth % EQ/Invesco Moderate Allocation GB % EQ/Conservative Growth Strategy GB % EQ/Invesco Moderate Growth Allocation GB % EQ/Conservative Strategy GB % EQ/Legg Mason Moderate Allocation GB % EQ/Moderate Growth Strategy GB 100% Protected Benefit Account Investment Options* *    This amount represents 100% of the percentage shown above in the Protected Benefit Account Investment Options section. X04468_Compact Retirement Cornerstone® — Series B ICC20 App01 RC B -Z    Page 5 of 9

INVESTMENT ACCOUNT Investment Options Percentages must be whole numbers Allocation % Allocation % Asset Allocation Small Cap Stocks % %    1290 1290 VT VT Moderate DoubleLine Growth Dynamic Allocation Allocation % % 1290 1290 VT VT GAMCO Microcap Small Company Value % BlackRock Global Allocation V.I. Fund % 1290 VT Small Cap Value % EQ/AB Dynamic Aggressive Growth % EQ/AB Small Cap Growth % EQ/AB Dynamic Growth % % EQ/Small Invesco V. I. Company Small Cap Index Equity Fund % EQ/AB Dynamic Moderate Growth International/Global Stocks % EQ/Aggressive Growth Strategy % EQ/All Asset Growth Allocation % % 1290 1290 VT VT SmartBeta Low Volatility Equity Global Equity % EQ/American Century Moderate Growth Allocation % American Funds Insurance Series® Global Small % EQ/AXA Investment Managers Moderate Allocation SM Capitalization Fund % EQ/Balanced Strategy % American Funds Insurance Series® New World Fund® % EQ/Conservative Growth Strategy % EQ/Emerging Markets Equity PLUS % EQ/Conservative Strategy % EQ/International Core Managed Volatility % EQ/First Trust Moderate Growth Allocation % EQ/International Equity Index % EQ/Goldman Sachs Growth Allocation % % EQ/Invesco EQ/Invesco Global International Portfolio Growth % EQ/Goldman Sachs Moderate Growth Allocation % EQ/Growth Strategy % % EQ/MFS EQ/Lazard International Emerging Markets Growth Equity % EQ/Invesco Moderate Allocation % EQ/MFS International Intrinsic Value % EQ/Invesco Moderate Growth Allocation % Neuberger Berman International Equity Portfolio % EQ/JPMorgan Growth Allocation % Templeton Developing Markets VIP Fund % EQ/Legg Mason Growth Allocation Specialty % EQ/Legg Mason Moderate Allocation % 1290 VT GAMCO Mergers & Acquisitions % EQ/Moderate Allocation % 1290 VT Natural Resources % EQ/Moderate Growth Strategy % 1290 VT Real Estate % First Trust/Dow Jones Dividend & Income Allocation Portfolio % % EQ/Invesco Eaton Vance Global VT Floating-Rate Real Estate Income Fund % First Trust Multi Income Allocation Portfolio % Franklin Allocation VIP Fund % % EQ/MFS EQ/MFS Technology Utilities Series % Franklin Income VIP Fund % EQ/T.Rowe Price Health Sciences % Invesco V.I. Equity and Income Fund % EQ/Wellington Energy Portfolio % QS Legg Mason Dynamic Multi-Strategy VIT Portfolio % Multimanager Technology Large Cap Blend Stocks % Neuberger Berman U.S. Equity Index PutWrite Strategy Portfolio % ClearBridge Variable Appreciation Portfolio % PIMCO VIT CommodityRealReturn® Strategy Portfolio % ClearBridge Variable Dividend Strategy Portfolio % % Templeton ProFund VP Global Biotechnology Bond VIP Fund % % EQ/Common EQ/ClearBridge Stock Select Index Equity Managed Volatility High Yield Bonds % % EQ/Equity EQ/Fidelity 500 Institutional Index AM® Large Cap % 1290 VT High Yield Bond % EQ/Franklin Rising Dividends % Invesco V.I. High Yield Fund % MFS® Investors Trust Series % Ivy    Bonds VIP High Income Large Cap Growth Stocks % 1290 VT DoubleLine Opportunistic Bond % % ClearBridge BlackRock Large Variable Cap Aggressive Focus Growth Growth V.I. Fund Portfolio % American Funds Insurance Series® Bond FundSM % EQ/ClearBridge Large Cap Growth % % EQ/Core EQ/Franklin Bond Strategic Index Income % EQ/Large Cap Growth Index % EQ/Loomis Sayles Growth % % EQ/PIMCO EQ/Intermediate Global Government Real Return Bond % EQ/T. ® Rowe Price Growth Stock % MFS Massachusetts Investors Growth Stock Portfolio % % EQ/PIMCO EQ/PIMCO Total Real Return Return % Multimanager Aggressive Equity % EQ/PIMCO Ultra Short Bond Large Cap Value Stocks % Fidelity® VIP Strategic Income Portfolio % 1290 VT Equity Income % EQ/BlackRock Basic Value Equity % % PIMCO Lord Abbett VIT Income Bond Debenture Portfolio % EQ/Invesco Comstock % EQ/JPMorgan Value Opportunities % Putnam VT Diversified Income Fund % % EQ/Large EQ/Large Cap Cap Value Value Managed Index Volatility Cash/Cash Equivalents % Guaranteed Interest Option (GIO) (maximum 25%) % Invesco V.I. Diversified Dividend Fund % EQ/Money Market Mid Cap Stocks 100% Investment Account Investment Options* % ClearBridge Variable Mid Cap Portfolio % EQ/American Century Mid Cap Value TOTAL%     % EQ/Goldman Sachs Mid Cap Value *    This amount represents 100% of the percentage is shown % EQ/Janus Enterprise Portfolio above in the Investment Account Investment Option section. % % EQ/MFS EQ/Mid Cap Mid Index Cap Focused Growth Portfolio % % Fidelity EQ/Mid® Cap VIP Value Mid Cap Managed Portfolio Volatility % Invesco V.I. Mid Cap Core Equity Fund X04468_Compact Retirement Cornerstone® — Series B ICC20 App01 RC B -Z    Page 6 of 9

6. Broker Transfer Authority Disclosure andYes. provide I have to granted Equitable authority Investment to each Option of my transfer Financial instructions Professional(s), in writing, which by telephone are listed below, or electronically, to act as my and agent I hereby authorize good faith and on the direct stated Equitable identity to of act the on person(s) such instructions. placing such I understand instructions, and and acknowledge (ii) will have that no Equitable liability for (i) any may claim, rely in authorization loss, liability, or until expense such time that as may we arise receive in connection written notification with such in instructions. our Processing Equitable Office that will continue broker transfer to act upon authority this provide has been transfer terminated. instructions Upon receipt on your of behalf. such notification, Equitable may Equitable (i) change will or terminate terminate the telephone Financial or Professional’s(s’) electronic or overnight ability to mail transfer transfer services procedures because at of any disruptive time without transfer prior activity. notice, and (ii) restrict fax, internet, telephone and other electronic 7. Current Insurance BOTH questions in the Owner Response and the Financial Professional Response R columns must be completed and match for the contract to be issued. E Owner Response Financial Professional Q Replacement Questions Response U I 1.    Do you have any other existing life insurance or annuities? Yes                No Yes                No R (If yes, a State Requirements Questionnaire may be required) E 2.    Will any existing life insurance or annuity be (or has it been) Yes                No Yes                No D surrendered, withdrawn from, loaned against, changed or otherwise reduced assuming in the value, Certificate/Contract or replaced in connection applied for with will this be issued transaction on the life of the Owner? (If yes, complete the following below and submit a State Requirements Questionnaire, if required.) Please list the contract(s) below that will be used to fund this new Equitable contract Company Type of Plan Year Issued Certificate/Contract Number Company Type of Plan Year Issued Certificate/Contract Number Company Type of Plan Year Issued Certificate/Contract Number 8. Fraud Warning of Any a criminal person who offense knowingly and subject presents to penalties a false statement under state in an law. application for insurance may be guilty 9. Special Instructions Attach Primary a Residential separate sheet Address if additional in Section space 2A, is please needed. complete For Owners the following: whose Mailing Address differs from their Mailing Address — P.O. Box accepted City State Zip Code 10. Electronic Delivery contract,    I authorize contract Equitable endorsements, to send all annuity documents statements, regarding confirmation my contract notices, to me privacy electronically. policy, This prospectuses means that and my all    other notices regarding my contract will be sent to me electronically. My email address is1: when This authorization documents are will available continue on unless Equitable’s and until website. revoked Please and means logon that to equitable. Equitable com will to send update an email your email or notice address, to me revoke to be delivered your authorization by the United for electronic States Postal delivery Service or request for compliance paper copies. reasons. Certain types of correspondence may continue To online receive account and view access such with documents Equitable. electronically, Upon issuance I understand of your contract I must you register will receive (with a an user email name providing and password) a temporary for password or save statements and instructions and other to register documents for online to your account home computer. access. Through If the email this provided online account is not you a valid can address, view, download you will receive electronically paper on versions equitable. of your com, statements you agree and to the other disclosures, contract related terms and documents. requirements When pertaining you agree to to electronic do transactions transactions set forth on the website. 1Non-natural owners (such as trusts): please provide the email address of the authorized signatory. X04468_Compact Retirement Cornerstone® — Series B ICC20 App01 RC B -Z    Page 7 of 9

11. Signature and Acknowledgements GENERAL DISCLOSURE. BY SIGNING BELOW, I/WE UNDERSTAND AND ACKNOWLEDGE THAT: • payments Account value(s) I may elect, attributable may increase to allocations or decrease to the and investment are not guaranteed options, and as any to dollar variable amount. annuity    benefit • In application the case of I acknowledge IRAs and qualified that I am plans buying that provide the Contract tax deferral for its features under the and Internal benefits Revenue other than Code, tax by deferral, signing as this the tax deferral feature of the Contract does not provide additional benefits. • Under information penalty in Section of perjury, 2 are I certify correct. that    all the Taxpayer Identification Numbers, citizenship and owner status • All information and statements furnished in this application are true and complete to the best of my knowledge and belief. • Equitable may accept amendments to this application provided by me or under my authority. • No or alter Financial any of Professional Equitable’s has rights the and authority regulations. to make Equitable or modify must any agree Contract to any on change behalf of made Equitable, to the Contract or to waive    and benefits applied for, or to the age at issue, in writing signed by an officer of the company. • Charges under the Contract generally apply for the duration of the Contract. • The and prospectus conditions that and applies applicable to the supplements Contract and contain any optional more complete benefit riders. information    including the limitations, restrictions OPTIONAL GUARANTEED BENEFIT DISCLOSURE. I/WE UNDERSTAND AND ACKNOWLEDGE THAT: • There are additional charges for the elected optional benefit riders, unless otherwise noted in this application. • To Options receive either the benefits immediately under or the at a rider(s), future date, I/we must subject allocate to the amounts terms and to limitations the Protected of the Benefit Contract. Account I understand Investment that Contract, allocating on amounts a future to Contract the Protected Date Anniversary Benefit Account maximizes either immediately the benefit of or, the subject roll up to feature. the terms If Equitable and conditions discontinues of the create transfers or and add contributions to the benefit to base. the Protected Benefit Account Investment Options, I/we will thereafter not be able to • Contributions am between the and ages transfers of 43 and to the 49 GMIB on my and Contract “Greater Date, of” the GMDB applicable (if elected) Initial are Lock-in only permitted Deferral Rollup starting Rate at age and 50. Initial If I Lock-in first seven Annual Contract Rollup Years. Rate If will I am only age apply 42 or after younger I attain on age my Contract 50, and then Date, only the for Initial the Lock-in amount Deferral of time remaining Rollup Rate of and my Initial Ten Year Lock-in Treasuries Annual Formula Rollup Rate Rate will according never apply to the to terms my Contract of the Contract. and my benefit(s) will rollup based on the applicable • The my Account rollup rate Value used or for Cash the Value. rollup The benefit rollup bases rates under that apply GMIB to and my GMDB contract (if elected) are specified does not in the represent Rate Sheet a guarantee of Supplement to the Prospectus. • The with benefit a divorce. base does not represent an Account Value or Cash Value. The benefit base cannot be split in connection • Unless Automatic otherwise Reset program declined, resets contracts my GMIB with the and GMIB if elected will automatically “Greater of” GMDB issue with Rollup the Benefit Automatic Base Reset each program. year that The I am reset eligible. will result    Resets in a new will occur wait period automatically to exercise unless the such GMIB, automatic of up to the resets later are of or 10 have years been or the terminated. original exercise The annual date and if (but elected not later “Greater than of” age GMDB 95) which Rollup may Benefit be started Base beginning is reset. If on my each Annuity Contract Account Date Value Anniversary does not that exceed the GMIB my completed GMIB benefit reset base cancellation on any Contract request. Anniversary, Any such request no reset must will occur. be received To cancel at Equitable’s my reset I processing must submit office a signed at least and this 1 business window day will prior apply to the the following Contract year. Date IAnniversary am not able to to which cancel the a reset cancellation once it has applies. occurred. Requests For jointly received owned after Contracts, eligibility to reset the benefit base is based on the age of the older owner. • Equitable GMDB Riders, reserves up to the the right maximum to change charges the charges stated in for the the Contract GMIB, the and “Greater prospectus of” GMDB, at any time. and the I will RMD have Wealth the option Guard increase to exercise is imposed the GMIB by or submitting terminate the a written GMIB, request “Greater to of” Equitable’s GMDB or Processing the “RMD Wealth Office. Guard” GMDB Riders if a fee • Withdrawals under the Contract may reduce my optional benefit. • An of limited optional use benefit, if required with minimum the exception distributions of the RMD apply, Wealth now Guard or in the GMDB future, Rider to my after Contract the first because contract withdrawals anniversary, that may are be    or made “Greater from this of” Contract GMDB and to meet also elect the required the Automatic amount RMD may significantly Withdrawal Service, reduce the withdrawals benefit. However, of my required if I elect minimum the GMIB GMDB distributions the GMDB made Rollup through benefit the automatic base during RMD the Withdrawal GMDB Rollup Service Period. will not reduce my GMIB or for the “Greater of” Prospectus Information: I acknowledge that I have received the most current prospectus and supplements, for Retirement Cornerstone® Series B. After reviewing my financial information and goals with my Financial Professional, I believe that this Certificate/Contract will meet my financial goals. R Consent for Delivery of Initial Prospectus on CD-ROM: E Yes. By checking this box and signing the enrollment form/application below, I acknowledge that I received Q the initial prospectus on computer readable compact disk ‘‘CD’’, and that my computer has a CD drive and I am U I able to access the CD information. In order to retain the prospectus indefinitely, I understand that I must print or download it. I also understand that I may request a prospectus in paper format at any time by calling Customer R Service at 800-789-7771, and that all subsequent prospectus updates and supplements will be provided to me E in paper format, unless I enroll in Equitable’s Electronic Delivery Service. D X04468_Compact Retirement Cornerstone® — Series B ICC20 App01 RC B -Z    Page 8 of 9

11. Signature and Acknowledgements (continued) Contract State : We will issue and deliver a contract to you based upon your state of primary residence. If you sign the enrollment R form/application in a state other than your primary residence state: E I certify that either: I have a second residence where the enrollment form/application was signed (the state of sale) or Q I work or maintain a business in the state where the enrollment form/application was signed (the state of sale). U I (Check one) When you sign this application, you are agreeing to the elections that you have made in this application and R acknowledge that you have read and understand the information. E D X     Owner Signature City, State Date (MM/DD/YYYY) X Joint Owner Signature City, State Date (MM/DD/YYYY) X Annuitant Signature (if other than Owner) City, State Date (MM/DD/YYYY) X Joint Annuitant Signature (if other than Owner) City, State Date (MM/DD/YYYY) 12. Financial Professional Information R A. Did you (i) verify the identity by reviewing the driver’s license/passport of the Owner, or E in the case of an entity owner, obtain documentary evidence of entity’s existence Q (e.g. articles of incorporation, trust agreement, etc.), and (ii) inquire about the source of the customer’s assets and income? Yes No U I B. Is the Proposed Owner/Annuitant, or is their family member or close associate, a R government, political official or foreign military official?    Yes No E If “Yes”, please provide explanation of position and relationship D C. Is the Proposed Owner/Annuitant currently an Active Duty* Member of the Armed Forces?    Yes No (If Yes, you must also submit a completed and signed LIFE INSURANCE/ANNUITY DISCLOSURE TO ACTIVE DUTY MEMBERS OF THE ARMED FORCES). *Active Duty means full-time duty in active military service of the United States and includes members of the reserve component (National Guard and Reserve) while serving under published orders for active duty or full-time training. It does not include members of the reserve component who are performing active duty or active duty for training under military calls or orders specifying periods of less than 31 calendar days. X ELAS Primary Financial Professional Signature Social Security Number    Agent Code %     Print Name Phone Number Client Account Number Email Address Agent Location X Financial Professional Signature Social Security Number Agent Code %     Print Name Phone Number Financial Professional Use Only. Contact your home office for program information. Once selected, program cannot be changed. Option I    Option II    Option V Cat No. 161966 X04468_Compact Retirement Cornerstone® — Series B ICC20 App01 RC B -Z    Page 9 of 9