Document:

<PAGE>   1
                                                                    Exhibit 4.10

         FIRST AMENDMENT TO DECLARATION OF TRUST, dated as of August 25, 2000
(the "First Amendment to Declaration of Trust"), between AXA Financial, Inc.
(formerly known as The Equitable Companies Incorporated), a Delaware
corporation, as Sponsor, and The Bank of New York, a new York Banking
corporation, not in its individual capacity but solely as trustee (the "Delaware
Trustee"), The Bank of New York (Delaware), a Delaware banking corporation, not
in its individual capacity but solely as trustee (the "Delaware Trustee"), and
Stanley B. Tulin, Kevin R. Byrne and Tracey A. Dedrick, each not in his or her
individual capacity but solely as trustee (the Property Trustee, Delaware
Trustee and each such individual as trustee, collectively the "Trustees").

         WHEREAS, the Sponsor and the Trustees have entered into a Declaration
of Trust, dated January 14, 1998, with respect to EQ Capital Trust I (the
"Declaration of Trust"); and

         WHEREAS, the Sponsor and the Trustees desire to amend the Declaration
of Trust to change the name of EQ Capital Trust I to AXA Financial Capital Trust
I;

         NOW THEREFORE, The Sponsor and Trustees hereby agree as follows:

         1. Amendment. Paragraph 1 of the Declaration of Trust will be amended
         by deleting "EQ Capital Trust I" and inserting in its place "AXA
         Financial Capital Trust I."

         2. This First Amendment to Declaration of Trust may be executed in one
    or more counterparts.

<PAGE>   2

         IN WITNESS WHEREOF, the parties hereto have caused this First Amendment
to Declaration of Trust to be duly executed as of the day and year first above
written.

                                          AXA Financial, Inc.,
                                          as Sponsor

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

                                          The Bank of New York,
                                          not in its individual capacity
                                          but solely as Property Trustee

                                          By: /s/ Robert A. Massimillo
                                              ------------------------------
                                              Name: Robert A. Massimillo
                                              Title: Assistant Vice President

                                          The Bank of New York (Delaware),
                                          not in its individual capacity
                                          but solely as Delaware Trustee

                                          By: /s/ William T. Lewis
                                              ------------------------------
                                              Name: William T. Lewis
                                              Title: Senior Vice President

                                            /s/ Stanley B. Tulin
                                            --------------------------------
                                            not in his individual capacity
                                            but solely as Trustee

                                             /s/ Kevin R. Byrne
                                            --------------------------------
                                            not in his individual capacity
                                            but solely as Trustee

                                            /s/ Tracey A. Dedrick
                                            --------------------------------
                                            not in her individual capacity
                                            but solely as Trustee<PAGE>   1

                                                                   Exhibit 4. 12

                     FIRST AMENDMENT TO CERTIFICATE OF TRUST

                                       OF

                               EQ CAPITAL TRUST I

         THIS First Amendment to Certificate of Trust, dated August 25, 2000
(the "First Amendment to Certificate of Trust"), is being duly executed and
filed by the undersigned, as trustee, pursuant to the Delaware Business Trust
Act (12 Del. Code Sections 3801 et seq.).

         1. Name. The name of the business trust is EQ Capital Trust I.

         2. Amendment. Paragraph 1 of the Certificate of Trust of EQ Capital
Trust I, dated January 14, 1998, is hereby amended in its entirety as follows:

         "Name. The name of the business trust being formed hereby is AXA
         Financial Capital Trust I."

         3. Effective Date. This First Amendment to Certificate of Trust shall
be effective as of its filing.

         IN WITNESS WHEREOF, the undersigned, being one of the trustees of
the Trust, has executed this First Amendment to Certificate of Trust as of the
date first above written.

                                               /s/ Kevin R. Byrne
                                               ------------------
                                               as Trustee<PAGE>   1

                                                                    Exhibit 4.14

         FIRST AMENDMENT TO DECLARATION OF TRUST, dated as of August 25, 2000
(the "First Amendment to Declaration of Trust"), between AXA Financial, Inc.
(formerly known as The Equitable Companies Incorporated), a Delaware
corporation, as Sponsor, and The Bank of New York, a new York Banking
corporation, not in its individual capacity but solely as trustee (the "Delaware
Trustee"), The Bank of New York (Delaware), a Delaware banking corporation, not
in its individual capacity but solely as trustee (the "Delaware Trustee"), and
Stanley B. Tulin, Kevin R. Byrne and Tracey A. Dedrick, each not in his or her
individual capacity but solely as trustee (the Property Trustee, Delaware
Trustee and each such individual as trustee, collectively the "Trustees").

         WHEREAS, the Sponsor and the Trustees have entered into a Declaration
of Trust, dated January 14, 1998, with respect to EQ Capital Trust II (the
"Declaration of Trust"); and

         WHEREAS, the Sponsor and the Trustees desire to amend the Declaration
of Trust to change the name of EQ Capital Trust II to AXA Financial Capital
Trust II;

         NOW THEREFORE, The Sponsor and Trustees hereby agree as follows:

         1. Amendment. Paragraph 1 of the Declaration of Trust will be amended
         by deleting "EQ Capital Trust II" and inserting in its place "AXA
         Financial Capital Trust II."

         2. This First Amendment to Declaration of Trust may be executed in one
   or more counterparts.

<PAGE>   2

         IN WITNESS WHEREOF, the parties hereto have caused this First Amendment
to Declaration of Trust to be duly executed as of the day and year first above
written.

                                         AXA Financial, Inc.,
                                         as Sponsor

                                         By: /s/ Stanley B. Tulin
                                             ----------------------------
                                               Name: Stanley B. Tulin
                                               Title: Vice Chairman of the
                                                      Board and Chief
                                                      Financial Oficer

                                         The Bank of New York,
                                         not in its individual capacity
                                         but solely as Property Trustee

                                         By: /s/ Robert A. Massimillo
                                             ----------------------------------
                                               Name: Robert A. Massimillo
                                               Title: Assistant Vice President

                                         The Bank of New York (Delaware),
                                         not in its individual capacity
                                         but solely as Delaware Trustee

                                         By: /s/ William T. Lewis
                                           -------------------------------
                                                Name: William T. Lewis
                                                Title: Senior Vice President

                                           /s/ Stanley B. Tulin
                                           --------------------------------
                                            not in his individual capacity
                                            but solely as Trustee

                                            /s/ Kevin R. Byrne
                                            ------------------------------
                                            not in his individual capacity
                                            but solely as Trustee

                                            /s/ Tracey A. Dedrick
                                            -------------------------------
                                            not in her individual capacity
                                            but solely as Trustee<PAGE>   1
                                                                    Exhibit 4.16

                     FIRST AMENDMENT TO CERTIFICATE OF TRUST

                                       OF

                               EQ CAPITAL TRUST II

         THIS First Amendment to Certificate of Trust, dated August 25, 2000
(the "First Amendment to Certificate of Trust"), is being duly executed and
filed by the undersigned, as trustee, pursuant to the Delaware Business Trust
Act (12 Del. Code Sections 3801 et seq.).

         1. Name. The name of the business trust is EQ Capital Trust II.

         2. Amendment. Paragraph 1 of the Certificate of Trust of EQ Capital
Trust II, dated January 14, 1998, is hereby amended in its entirety as follows:

         "Name. The name of the business trust being formed hereby is AXA
         Financial Capital Trust II."

         3. Effective Date. This First Amendment to Certificate of Trust shall
be effective as of its filing.

         IN WITNESS WHEREOF, the undersigned, being one of the trustees of
the Trust, has executed this First Amendment to Certificate of Trust as of the
date first above written.

                                                  /s/ Kevin R. Byrne
                                                  --------------------------
                                                  as Trustee

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