Document:

Exhibit 10.1

    Exhibit
      10.1

    $1,250,000,000

     

    AMENDMENT
      NO. 2

    dated
      as of April 20, 2007 

    

    to
      the 5-Year Credit Agreement

    

    dated
      as of March 28, 2005

    among

    

    Textron
      Inc.,

    

    The
      Banks Listed Herein,

    

    JPMorgan
      Chase Bank, N.A.,

    as
      Administrative Agent

    

    and

    

    Citibank,
      N.A.,

    as
      Syndication Agent

    ____________________

    

    J.P.
      Morgan Securities Inc.

    and

    Citigroup
      Global Markets Inc., 

    Lead
      Arrangers and Joint Bookrunners

    

    Bank
      of America, N.A.,

    Deutsche
      Bank Securities Inc.

    and

    UBS
      Loan Finance LLC,

    Documentation
      Agents

    

    Barclays
      Bank PLC,

    Co-Documentation
      Agent

    
      
        
          

           

        

        
        

      

      
        
        

        
          

        

      

      
        
        

        
        

      

    

    AMENDMENT
      NO. 2 TO 5-YEAR CREDIT AGREEMENT

     

    AMENDMENT
      dated as of April 20, 2007 to the 5-Year Credit Agreement dated as of March
      28,
      2005 (the “Credit
      Agreement”)
      among
      TEXTRON INC., the BANKS party thereto, JPMORGAN CHASE BANK, N.A., as
      Administrative Agent, and CITIBANK, N.A., as Syndication Agent.

     

    W
      I T N E S S E T H :

     

    WHEREAS,
      the parties hereto desire to amend the Credit Agreement as set forth herein;
      and

     

    WHEREAS
      the Commitments of the Lenders are set forth in the Commitment Schedule annexed
      hereto;

     

    NOW,
      THEREFORE, the parties hereto agree as follows:

     

    Section
      1    Defined Terms;
      References. Unless otherwise specifically defined herein, each
      term used herein that is defined in the Credit Agreement has the meaning
      assigned to such term in the Credit Agreement. Each reference to “hereof”,
“hereunder”, “herein” and “hereby” and each other similar reference and each
      reference to “this Agreement” and each other similar reference contained in the
      Credit Agreement shall, after this Amendment becomes effective, refer to the
      Credit Agreement as amended hereby.

     

    Section
      2  
      Amendments.
      

                        (a) 
The
      definition of “Termination Date” in Section 1.01 of the Credit Agreement is
      amended by changing the date specified therein from “April 21, 2011” to “April
      20, 2012”. 

     

                        (b)  Sections
      4.03 and 4.04 of the Credit Agreement are amended by changing each reference
      to
      the date “December 31, 2005” to “December 30, 2006”.

     

    Section
      3  Changes
      in Pricing Schedule. The
      Pricing Schedule attached to the Credit Agreement (the “Existing
      Pricing Schedule”)
      is
      deleted and replaced by the Pricing Schedule attached to this Amendment (the
      “New
      Pricing Schedule”).
      The
      New Pricing Schedule shall apply to interest and fees accruing under the Credit
      Agreement on and after the date hereof. The Existing Pricing Schedule shall
      continue to apply to interest and fees accruing under the Credit Agreement
      prior
      to the date hereof.

     

    Section
      4  Representations
      of Borrower.
      The
      Company represents and warrants that (i) the representations and warranties
      of
      the Company set forth in Article 4 of the Credit Agreement will be true on
      and
      as of the Amendment Effective Date and (ii) no Event of Default will have
      occurred and be continuing on such date.

     

    Section
      5  
      Effect of Amendments. Except
      as
      expressly set forth herein, the amendments contained herein shall not constitute
      a waiver or amendment of any term or condition of the Credit Agreement, and
      all
      such terms and conditions shall remain in full force and effect and are hereby
      ratified and confirmed in all respects. 

     

    Section
      6  Governing
      Law.
      This
      Amendment shall be governed by and construed in accordance with the laws of
      the
      State of New York.

     

    Section
      7  Counterparts.
      This
      Amendment may be signed in any number of counterparts, each of which shall
      be an
      original, with the same effect as if the signatures thereto and hereto were
      upon
      the same instrument.

     

    Section
      8  Effectiveness.
      This
      Amendment shall become effective as of the date hereof (the “Amendment
      Effective Date”),
      subject to satisfaction of the following conditions:

     

    (a)  the
      Administrative Agent shall have received from each of the parties listed in
      the
      signature pages hereof a counterpart hereof signed by such party or facsimile
      or
      other written confirmation (in form satisfactory to the Administrative Agent)
      that such party has signed a counterpart hereof; and

     

    (b)  the
      Administrative Agent shall have received an opinion of the General Counsel
      or
      Assistant General Counsel of the Company dated as of the Amendment Effective
      Date, in form and substance satisfactory to the Administrative
      Agent.

    
      
        
          

           

        

        
        

      

      
        
        

        
          

        

      

      
        
        

        
          

           

        

      

    

    IN
      WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly
      executed as of the date first above written.

     

    
      	
                                  TEXTRON
                INC.

               

            
	 	
              /s/
                Mary F. Lovejoy

            
	 	
              Name:

            	
              Mary
                F. Lovejoy

            
	 	
              Title:

            	
              Vice
                President and Treasurer

            

    

    

    

    
      	
                                  JPMORGAN
                CHASE
                BANK, N.A., as Administrative Agent

               

            
	 	
              /s/
                Randolph Cates

            
	 	
              Name:

            	
              Randolph
                Cates

            
	 	
              Title:

            	
              Executive
                Director

            

    

    

    

    
      	
                                  JPMORGAN
                CHASE
                BANK, N.A.

               

            
	 	
              /s/
                Randolph Cates

            
	 	
              Name:

            	
              Randolph
                Cates

            
	 	
              Title:

            	
              Executive
                Director

            

    

    
 

    
      	
                                  CITIBANK,
                N.A.

               

            
	 	
              /s/
                Peter Kettle

            
	 	
              Name:

            	
              Peter
                Kettle

            
	 	
              Title:

            	
              Director

            

    

    
 

    
      	
                                  BANK
                OF
                AMERICA, N.A.

               

            
	 	
              /s/
                Jeff Hallmark

            
	 	
              Name:

            	
              Jeff
                Hallmark

            
	 	
              Title:

            	
              Senior
                Vice President

            

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

        
          

           

        

      

    

    

    
      	
                                  BARCLAYS
                BANK
                PLC

               

            
	 	
              /s/
                Douglas Bernegger

            
	 	
              Name:

            	
              Douglas
                Bernegger

            
	 	
              Title:

            	
              Director

            
	 	 	 
	 	 	 
	
                                  DEUTSCHE
                BANK
                AG NEW YORK BRANCH

               

            
	 	
              /s/
                Yvonne Tilden

            
	 	
              Name:

            	
              Yvonne
                Tilden

            
	 	
              Title:

            	
              Vice
                President

            
	 	 	 
	 	 	 
	 	
              /s/
                Andreas Neumeier

            
	 	
              Name:

            	
              Andreas
                Neumeier

            
	 	
              Title:

            	
              Director

            
	
               

                                  UBS
                LOAN FINANCE LLC

               

            
	 	
              /s/
                Mary E. Evans

            
	 	
              Name:

            	
              Mary
                E. Evans

            
	 	
              Title:

            	
              Associate
                Director

            
	 	 	 
	 	 	 
	 	
              /s/
                David B. Julie

            
	 	
              Name:

            	
              David
                B. Julie

            
	 	
              Title:

            	
              Associate
                Director

            

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    
      	
                                BANK
                OF
                TOKYO-MITSUBISHI UFJ TRUST COMPANY

               

            
	 	
              /s/
                Joanne Nasuti

            
	 	
              Name:

            	
              Joanne
                Nasuti

            
	 	
              Title:

            	
              Vice
                President

            
	
               

                                  BNP
                PARIBAS

               

            
	 	
              /s/
                Berangere Allen

            
	 	
              Name:

            	
              Berangere
                Allen

            
	 	
              Title:

            	
              Vice
                President

            
	 	 	 
	 	
              /s/
                Simone Vinocour

            
	 	
              Name:

            	
              Simone
                Vinocour

            
	 	
              Title:

            	
              Director

            

    

    

    

    
      	
                                CREDIT
                SUISSE FIRST
                BOSTON, acting
                through its Cayman Islands Branch

               

            
	 	
              /s/
                Jay Chall

            
	 	
              Name:

            	
              Jay
                Chall

            
	 	
              Title:

            	
              Director

            
	 	
              /s/
                Bernhard Schmid

            
	 	
              Name:

            	
              Bernhard
                Schmid

            
	 	
              Title:

            	
              Assistant
                Vice President

            

    

    

    

    
      	
                                  HSBC
                BANK USA, NATIONAL ASSOCIATION

               

            
	 	
              /s/
                Eduardo P. Abello

            
	 	
              Name:

            	
              Eduardo
                P. Abello

            
	 	
              Title:

            	
              Vice
                President

            

    

    

     

    
      
        
          

           

        

        
        

      

      
        
        

        
          

        

      

      
        
        

        
          

           

        

      

    

    
      	
                                  MERRILL
                LYNCH BANK USA

               

            
	 	
              /s/
                Louis Alder

            
	 	
              Name:

            	
              Louis
                Alder

            
	 	
              Title:

            	
              Director

            
	
               

                                  MORGAN
                STANLEY BANK

               

            
	 	
              /s/
                Daniel Twenge

            
	 	
              Name:

            	
              Daniel
                Twenge

            
	 	
              Title:

            	
              Authorized
                Signatory

            
	
                                  

                                  WACHOVIA
                BANK,
                NATIONAL ASSOCIATION

               

            
	 	
              /s/
                C. Jeffrey Seaton

            
	 	
              Name:

            	
              C.
                Jeffrey Seaton

            
	 	
              Title:

            	
              Managing
                Director

            
	
               

                                WILLIAM
                STREET COMMITMENT
                CORPORATION (Recourse
                only to assets of William Street Commitment Corporation)

               

            
	 	
              /s/
                Mark Walton

            
	 	
              Name:

            	
              Mark
                Walton

            
	 	
              Title:

            	
              Assistant
                Vice President

            
	
               

                                 BANK
                OF
                MONTREAL

               

            
	 	
              /s/
                Joseph W. Linder

            
	 	
              Name:

            	
              Joseph
                W. Linder

            
	 	
              Title:

            	
              Vice
                President

            

    

    
      
        
          

           

        

        
        

      

      
        
        

        
          

        

      

      
        
        

        
          

           

        

      

    

    
      	
                                 THE
                BANK OF NOVA
                SCOTIA

               

            
	 	
              /s/
                Todd Meller

            
	 	
              Name:

            	
              Todd
                Meller

            
	 	
              Title:

            	
              Managing
                Director

            
	
               

               

                                  SOCIETE
                GENERALE

               

            
	 	
              /s/
                Nigel Elvey

            
	 	
              Name:

            	
              Nigel
                Elvey

            
	 	
              Title:

            	
              Vice
                President

            
	
               

               

                                  THE
                BANK OF NEW YORK

               

            
	 	
              /s/
                Kenneth P. Sneider, Jr.

            
	 	
              Name:

            	
              Kenneth
                P. Sneider, Jr.

            
	 	
              Title:

            	
              Vice
                President

            
	
               

               

                                  MELLON
                BANK, N.A.

               

            
	 	
              /s/
                Laurie G. Dunn

            
	 	
              Name:

            	
              Laurie
                G. Dunn

            
	 	
              Title:

            	
              First
                Vice President

            

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

        
          

           

        

      

    

    COMMITMENT
      SCHEDULE

    
      	
              Bank

               

            	
              Commitment

               

            	 
	
              JPMorgan
                Chase Bank, N.A.

            	
              $

              
              

            	
              120,000,000

              
              

            	 
	
              Citibank,
                N.A.

            	
              $

              
              

            	
              120,000,000

              
              

            	 
	
              Bank
                of America, N.A.

            	
              $

              
              

            	
              90,000,000

              
              

            	 
	
              Barclays
                Bank PLC

            	
              $

              
              

            	
              90,000,000

              
              

            	 
	
              Deutsche
                Bank AG New York Branch

            	
              $

              
              

            	
              90,000,000

              
              

            	 
	
              UBS
                Loan Finance LLC

            	
              $

              
              

            	
              90,000,000

              
              

            	 
	
              Bank
                of Tokyo-Mitsubishi UFJ Trust Company

            	
              $

              
              

            	
              60,000,000

              
              

            	 
	
              BNP
                Paribas

            	
              $

              
              

            	
              60,000,000

              
              

            	 
	
              Credit
                Suisse First Boston, acting through its Cayman Islands
                Branch

            	
              $

              
              

            	
              60,000,000

              
              

            	 
	
              HSBC
                Bank USA, National Association

            	
              $

              
              

            	
              60,000,000

              
              

            	 
	
              Merrill
                Lynch Bank USA

            	
              $

              
              

            	
              60,000,000

              
              

            	 
	
              Morgan
                Stanley Bank

            	
              $

              
              

            	
              60,000,000

              
              

            	 
	
              Wachovia
                Bank, National Association

            	
              $

              
              

            	
              60,000,000

              
              

            	 
	
              William
                Street Commitment Corporation

            	
              $

              
              

            	
              60,000,000

              
              

            	 
	
              Bank
                of Montreal

            	
              $

              
              

            	
              45,000,000

              
              

            	 
	
              The
                Bank of Nova Scotia

            	
              $

              
              

            	
              45,000,000

              
              

            	 
	
              Societe
                Generale

            	
              $

              
              

            	
              40,000,000

              
              

            	 
	
              The
                Bank of New York

            	
              $

              
              

            	
              20,000,000

              
              

            	 
	
              Mellon
                Bank, N.A.

            	
              $

              
              

            	
              20,000,000

              
              

            	 
	
              Total

            	
              $

            	
              1,250,000,000

            	 

    

    
      
        

         

        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    PRICING
      SCHEDULE

    

    

    Each
      of
“Facility
      Fee Rate”,
      “Euro-Dollar
      Margin”
and
      “Letter
      of Credit Fee Rate”
means,
      for any date, the rate set forth below in the row opposite such term and in
      the
      row corresponding to the “Utilization”
at
      such
      date and under the column corresponding to the “Pricing
      Level”
at
      such
      date:

     

    

    
      	 	
              Level
                I

            	
              Level
                II

            	
              Level
                III

            	
              Level
                IV

               

            	
              Level
                V

               

            	
              Level
                VI

            
	
               Facility
                Fee
                Rate

            	
               0.045%

               

            	
              0.05%

               

            	
              0.06%

               

            	
              0.07%

               

            	
              0.09%

               

            	
              0.10%

               

            
	
              Euro-Dollar
                Margin

                Utilization
                <
                50%

                Utilization
                > 50%

            	
              
    0.13%

              0.155%

               

            	
              
0.15%

              0.20%

               

            	
              
0.19%

              0.24%

               

            	
              
0.28%

              0.33%

               

            	
              
0.36%

              0.41%

               

            	
              
0.525%

              0.65%

            
	
               

              Letter
                of Credit Fee Rate

            	
               

              0.155%

            	
               

              0.20%

            	
               

              0.24%

            	
               

              0.33%

            	
               

              0.41%

            	
               

              0.65%

            

    

    

    For
      purposes of this Schedule, the following terms have the following meanings,
      subject to the concluding paragraph of this Schedule:

     

    “Level
      I Pricing”
applies
      at any date if, at such date, the Company’s long-term debt is rated A+ or
      higher by S&P, A1 or higher by Moody’s and A+ or higher by
      Fitch.

     

    “Level
      II Pricing”
applies
      at any date if, at such date, the Company’s long-term debt is rated A by
      S&P, A2 by Moody’s and A by Fitch.

     

    “Level
      III Pricing”
applies
      at any date if, at such date, the Company’s long-term debt is rated A- by
      S&P, A3 by Moody’s and A- by Fitch.

     

    “Level
      IV Pricing”
applies
      at any date, if at such date, the Company’s long-term debt is rated BBB+ by
      S&P, Baa1 by Moody’s and BBB+ by Fitch.

     

    “Level
      V Pricing”
applies
      at any date if, at such date, the Company’s long-term debt is rated BBB by
      S&P, Baa2 by Moody’s and BBB by Fitch.

     

    “Level
      VI Pricing”
applies
      at any date if, at such date, no other Pricing Level applies.

     

    “Fitch”
means
      Fitch Ratings Ltd.

     

    “Moody’s”
means
      Moody’s Investors Service, Inc.

     

    “Pricing
      Level”
refers
      to the determination of which of Level I, Level II, Level III, Level IV, Level
      V
      or Level VI applies at any date.

     

    “S&P”
means
      Standard & Poor’s Ratings Services, a division of The McGraw-Hill Companies,
      Inc.

     

    “Utilization”
means,
      at any date, the percentage equivalent of a fraction (i) the numerator of which
      is the sum of (A) the aggregate outstanding principal amount of the loans under
      the Facility at such date (after giving effect to any borrowing or payment
      on
      such date) plus
      (B) the
      aggregate amount then owing in respect of amounts paid by the Issuing Bank
      upon
      a drawing under a letter of credit issued under the Facility at such
      date
      plus
      (C) the
      aggregate amount then available for drawing under all outstanding letters of
      credit under the Facility at such date and (ii) the denominator of which is
      the
      aggregate amount of the commitments under the Facility at such date (after
      giving effect to any reduction on such date). If for any reason any Loans or
      Letter of Credit Liabilities remain outstanding after termination of the
      commitments under the Facility, Utilization shall be deemed to be
      100%.

     

    The
      credit ratings to be utilized for purposes of this Schedule are those assigned
      to the senior unsecured long-term debt securities of the Company without
      third-party enhancement, and any rating assigned to any other debt security
      of
      the Company shall be disregarded. The rating in effect at any date is that
      in
      effect at the close of business of such date.

     

    If
      the
      Company is split-rated, then for purposes of determining the applicable Pricing
      Level, (a) if the S&P and Moody’s ratings are the same, all three ratings
      will be deemed to be at that level, (b) if the S&P and Moody’s ratings are
      not the same, and the ratings differential is one level, all three ratings
      will
      be deemed to be at the higher level of S&P and Moody’s and (c) if the
      S&P and Moody’s ratings are not the same and the ratings differential is two
      levels or more, all three ratings will be deemed to be at a level one notch
      lower than the higher of S&P and Moody’s.POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                     EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                          At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.

       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.

       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.

    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.

    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                     2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
              EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                              /s/ Henri de Castries
                                              ---------------------
                                              Henri de Castries

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                    EQUI-VEST(R) At Retirement(sm) contract.
        Form N-4 Registration Statement to be filed in March 2007, for a
                        new At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                     2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
            EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                           /s/ Denis Duverne
                                           -----------------
                                           Denis Duverne

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                    EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                           At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                      2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
              EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                        /s/ Mary R. (Nina) Henderson
                                        ----------------------------
                                        Mary R. (Nina) Henderson

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                     EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                          At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
        (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                     2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
            EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                                  /s/ James F. Higgins
                                                  --------------------
                                                  James F. Higgins

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                    EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                           At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                     2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
              EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                                /s/ Scott D. Miller
                                                -------------------
                                                Scott D. Miller

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052

      Form N-4 Registration Statement to be filed in March 2007, for a new
                     EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                          At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                      2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
            EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                          /s/ Joseph H. Moglia
                                          --------------------
                                          Joseph H. Moglia

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                     EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                          At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                     2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
              EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                              /s/ Peter J. Tobin
                                              ------------------
                                              Peter J. Tobin

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                     EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                          At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                     2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
              EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 28th day of February 2007.

                                      /s/ Richard Dziadzio
                                      --------------------
                                      Richard Dziadzio, Executive Vice President
                                      and Chief Financial Officer

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                     EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                          At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                     2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ---------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
            EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                                   /s/ Bruce Calvert
                                                   -----------------
                                                   Bruce Calvert

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                     EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                          At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                     2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
            EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                             /s/ Christopher M. Condron
                                             --------------------------
                                             Christopher M. Condron

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                     EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                          At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                      2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
            EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                                 /s/ Ezra Suleiman
                                                 -----------------
                                                 Ezra Suleiman

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                     EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                          At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                      2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
            EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                                /s/ Anthony Hamilton
                                                --------------------
                                                Anthony Hamilton

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                     EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                          At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                      2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
            EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                              /s/ Charlynn Goins
                                              ------------------
                                              Charlynn Goins

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Barbara Goodstein, Stuart L. Faust, Anne M. Katcher, Karen Field Hazin, Naomi J.
Weinstein, Mildred Oliver, Edward Marron, Kathleen De Celie, Dodie Kent, William
J. Evers, Sun Jin Moon, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all reports (and amendments thereto) by the Company under the
Securities Exchange Act of 1934 (including but not limited to any reports on
Forms 10-K, 10-Q or 8-K) and any and all registration statements (and amendments
thereto) by the Company or its separate accounts relating to annuity contracts
and life insurance policies under the Securities Act of 1933 and/or the
Investment Company Act of 1940, including but not limited to the "Registration
Statements," as defined below, with all exhibits and all instruments necessary
or appropriate in connection therewith, each of said attorneys-in-fact and
agents and his, her or their substitutes being empowered to act with or without
the others, and to have full power and authority to do or cause to be done in
the name and on behalf of the undersigned each and every act and thing requisite
and necessary or appropriate with respect thereto to be done in and about the
premises in order to effectuate the same, as fully to all intents and purposes
as the undersigned might or could do in person, hereby ratifying and confirming
all that said attorneys-in-fact and agents, or any of them, may do or cause to
be done by virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                     EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                          At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                      2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
                                   333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
            EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 16th day of February 2007.

                                             /s/ Lorie A. Slutsky
                                             --------------------
                                             Lorie A. Slutsky

<PAGE>

                                POWER OF ATTORNEY

         KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or
Director of AXA Equitable Life Insurance Company (the "Company"), a New York
stock life insurance company, hereby constitutes and appoints Richard V. Silver,
Stuart L. Faust, Karen Field Hazin, Edward Marron, Kathleen De Celie, Dodie
Kent, William J. Evers, and each of them (with full power to each of them to act
alone), his or her true and lawful attorney-in-fact and agent for him or her and
on his or her behalf and in his or her name, place and stead, to execute and
file any and all registration statements (and amendments thereto) by the Company
or its separate accounts relating to annuity contracts and life insurance
policies under the Securities Act of 1933 and/or the Investment Company Act of
1940, including but not limited to the "Registration Statements," as defined
below, with all exhibits and all instruments necessary or appropriate in
connection therewith, each of said attorneys-in-fact and agents and his, her or
their substitutes being empowered to act with or without the others, and to have
full power and authority to do or cause to be done in the name and on behalf of
the undersigned each and every act and thing requisite and necessary or
appropriate with respect thereto to be done in and about the premises in order
to effectuate the same, as fully to all intents and purposes as the undersigned
might or could do in person, hereby ratifying and confirming all that said
attorneys-in-fact and agents, or any of them, may do or cause to be done by
virtue hereof.

         The "Registration Statements" covered by the Power of Attorney are
defined to include the registration statements listed below:

   Separate Account No. 45 of AXA Equitable Life Insurance Company (811-08754)
   ---------------------------------------------------------------------------
                                     33-83750
                                    333-64751
                                    333-73121
                                    333-61380
                                    333-44996

   Separate Account No. 49 of AXA Equitable Life Insurance Company (811-07659)
   ---------------------------------------------------------------------------
                                    333-05593
                                    333-64749
                                    333-31131
                                    333-60730
                                    333-79379
                                    333-96177
                                   333-127445
                                   333-137206

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
                                      2-30070
                                    333-81393
                                   333-130988
                                    333-81501
                                     33-47949
                                     33-58950
                                    333-19925
                                   333-137052
      Form N-4 Registration Statement to be filed in March 2007, for a new
                     EQUI-VEST(R) At Retirement(sm) contract.
      Form N-4 Registration Statement to be filed in March 2007, for a new
                          At Retirement(sm) contract.

                      AXA Equitable Life Insurance Company
                      ------------------------------------
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
         (as necessary), for the Retirement Investment Account(R) group
                           variable annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the American Dental Association group variable
                                annuity contract.
       Forms N-3 and N-4 Registration Statements to be filed in April 2007
       (as necessary), for the Members Retirement Program group variable
                                annuity contract.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
       contracts of the Accumulator(R) line of variable annuity products.
    Form S-3 Registration Statement to be filed in April 2007 (as necessary),
      for Market Value Adjustment interests under certain flexible annuity
        contracts of the EQUI-VEST(R) line of variable annuity products.

    Separate Account 301 of AXA Equitable Life Insurance Company (811-03301)
    ------------------------------------------------------------------------
                                      2-74667

     Separate Account FP of AXA Equitable Life Insurance Company (811-04335)
     -----------------------------------------------------------------------
\                                  333-103199
                                   333-132200
                                   333-103202
                                   333-115985
                                    333-76130
                                    333-17665
                                    333-17669
                                    333-17663
                                    333-17641
                                    333-17671
                                    333-17639
                                   333-134307

     Separate Account I of AXA Equitable Life Insurance Company (811-02581)
     ----------------------------------------------------------------------
                                    333-17633

<PAGE>

     Separate Account A of AXA Equitable Life Insurance Company (811-01705)
     ----------------------------------------------------------------------
            Form N-4 registration statements for EQUI-VEST contracts
                     currently included in Reg. No. 2-30070
           (EQUI-VEST(R) Individual, EQUI-VEST(R) Employer Sponsored,
            EQUI-VEST(R) Vantage(sm), EQUI-VEST(R) TSA Advantage(sm))

         IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand
this 27th day of February 2007.

                                       /s/ Alvin H. Fenichel
                                       ---------------------
                                       Alvin H. Fenichel, Senior Vice President
                                       and Controller

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