Axa Financial Inc Watch

from 10-Q 167 pages Axa Axa Financial, Inc. Axa Financial (Bermuda) Ltd as Borrowers Axa as Guarantor Bnp Paribas Crédit Agricole Corporate and Investment Bank Citigroup Global Markets Limited Hsbc France Natixis Société Générale Corporate & Investment Banking and the Royal Bank of Scotland PLC. as Bookrunner-Mandated Lead Arrangers Hsbc France as Agent Hsbc Bank USA, Na as Swingline Agent and the Lenders Credit Agreement €4,000,000,000 (Or Its Equivalent in Optional Currencies) Contents

from 10-K >50 pages Credit Agreement

from 10-K 1 page Since Its Inception, the Variable Deferred Compensation Plan for Executives (The "Variable Plan") Has Been Amended on Three Occasions as Follows: Effective June 1, 1995, the Variable Plan Was Amended to Include an Additional Earnings Credit Option Known as the International Portfolio. Effective January 1, 1997, the Variable Plan Was Amended to Permit Participants (I) No Later Than 12 Months Prior to the Commencement of Benefits Under the Retirement Distribution Option, to Change the Commencement Date of and/or the Form in Which Such Benefits Will Be Paid, and (II) to Withdraw All or a Portion of the Balance Credited to Their Distribution Option Accounts at Any Time, Subject to a Forfeiture Penalty Equal to 10 Percent of the Amount Withdrawn and a One-Year Suspension of Additional Deferrals Under the Plan. Effective January 1, 1998, the Variable Plan Was Again Amended to Include an Additional Earnings Credit Option Known as the Small Cap Growth Fund