Equitable Holdings, Inc.

•“2017 Plan” means the AB 2017 Long Term Incentive Plan

•“AB” or “AllianceBernstein” means AB Holding and ABLP.

•“AB Holding” means AllianceBernstein Holding L.P., a Delaware limited partnership.

•“AB Holding Units” means units representing assignments of beneficial ownership of limited partnership interests in AB Holding.

•“AB Units” means units of limited partnership interests in ABLP.

•“ABLP” means AllianceBernstein L.P., a Delaware limited partnership and the operating partnership for the AB business.

•“AFS” means available-for-sale.

•“AI” means artificial intelligence

•“AOCI” means accumulated other comprehensive income.

•“ASR” means accelerated share repurchase

•“ASU” means Accounting Standards Update

•“ASX” means Australian Securities Exchange

•“AVR” means asset valuation reserve

•“AXA” means AXA S.A., a société anonyme organized under the laws of France, and formerly our controlling stockholder.

•“AXA Financial” means AXA Financial, Inc., a Delaware corporation and a former wholly-owned direct subsidiary of Holdings. On October 1, 2018, AXA Financial merged with and into Holdings, with Holdings assuming the obligations of AXA Financial.

•“BMA” means Bermuda Monetary Authority

•“BOP” means beginning of the period

•“bps” means basis points

•“BRS” means Bernstein Research Services

•“CCPA” means the California Consumer Privacy Act, as amended by the California Privacy Rights Act

•“CDS” means credit default swaps

•“CDSC” means contingent deferred sales commission

•“CEA” means Commodity Exchange Act

•“CECL” means current expected credit losses

•“CEO” means Chief Executive Officer

•“CFTC” means U.S. Commodity Futures Trading Commission

•“CISO” means Chief Information Security Officer

•“CLO” means collateralized loan obligation

•“CMBS” means commercial mortgage-backed security

•“CODM” means Chief Operating Decision Maker

•“COI” means cost of insurance

•“COLI” means corporate owned life insurance

•“Company” means Equitable Holdings, Inc. and its consolidated subsidiaries

•“COSO” means the Committee of Sponsoring Organizations of the Treadway Commission

•“COVID-19” means coronavirus disease of 2019

•“CPPA” means the California Privacy Protection Agency

•“CRP” means credit rating provider

•“CS Life” means Corporate Solutions Life Reinsurance Company, a Delaware corporation and a wholly-owned direct subsidiary of Holdings.

•“CSA” means credit support annex

•“CSLRC” means Corporate Solutions Life Reinsurance Company

•“DI” means disability income

•“Dodd-Frank Act” means Dodd-Frank Wall Street Reform and Consumer Protection Act

•“DOL” means U.S. Department of Labor

•“DPL” means deferred profit liability

•“DSC” means debt service coverage

•“DTI” means debt-to-income

•“EAFE” means European, Australasia, and Far East

•“EBITDA” means earnings before interest, taxes, depreciation and amortization

•“ECDIS” means external consumer data and information sources

•“EDP” means electronic data processing

•“EFS” means Equitable Financial Services, LLC, a Delaware corporation and a wholly-owned direct subsidiary of Holdings

•“EFIM” means Equitable Financial Investment Management, LLC, a Delaware limited liability company and a wholly-owned indirect subsidiary of Holdings.

•“EFIMA” means Equitable Financial Investment Management America, LLC, a Delaware limited liability company and a wholly-owned indirect subsidiary of Holdings.

•“EIM LLC” means Equitable Investment Management, LLC, a Delaware limited liability company and a wholly-owned indirect subsidiary of Holdings.

•“EIMG” means Equitable Investment Management Group, LLC, a Delaware limited liability company and a wholly-owned indirect subsidiary of Holdings.

•“EOP” means end of the period

•“EPS” means earnings per share

•“Equitable Advisors” means Equitable Advisors, LLC, a Delaware limited liability company, our retail broker/dealer for our R&P businesses and a wholly-owned indirect subsidiary of Holdings.

•“Equitable America” means Equitable Financial Life Insurance Company of America (f/k/a MONY Life Insurance Company of America), an Arizona corporation and a wholly-owned indirect subsidiary of Holdings.

•“Equitable Bermuda” means Equitable Financial Bermuda RE Ltd.

•“Equitable Distributors” means Equitable Distributors, LLC, a Delaware limited liability company, our wholesale broker/dealer for our R&P businesses and a wholly-owned indirect subsidiary of Holdings.

•“Equitable L&A” means Equitable Financial Life and Annuity Company, a Colorado corporation and a wholly-owned indirect subsidiary of Holdings.

•“Equitable Financial” means Equitable Financial Life Insurance Company, a New York corporation, a life insurance company and a wholly-owned subsidiary of EFS.

•“EQAT” means EQ Advisors Trust, a series trust that is a Delaware statutory trust and is registered under the Investment Company Act as an open-end management investment company.

•“EQ AZ Life Re” means EQ AZ Life Re Company, an Arizona corporation and a wholly-owned indirect subsidiary of Holdings.

•“ERISA” means Employee Retirement Income Security Act of 1974

•“ESB Plan” means Executive Survivor Benefits Plan

•“ESG” means environmental, social and governance

•“ETF” means exchange traded fund

•“ETR” means effective tax rate

•“Exchange Act” means Securities Exchange Act of 1934, as amended

•“FABCP” means Funding Agreement Backed Commercial Paper

•“FABN” means Funding Agreement Backed Notes

•“FDIC” means Federal Deposit Insurance Corporation

•“FHLB” means Federal Home Loan Bank

•“FINRA” means Financial Industry Regulatory Authority, Inc.

•“FIO” means Federal Insurance Office

•“FMV” means fair market value

•“FSOC” means Financial Stability Oversight Council

•“FTSE” means Financial Times Stock Exchange

•“FVO” means fair value option

•“FYP” means first year premium

•“GCC” means group capital calculation

•“GLB” means guaranteed living benefits

•The “General Partner” means AllianceBernstein Corporation, a Delaware corporation and the general partner of AB Holding and ABLP.

•“GIC” means guaranteed investment contract

•“GIO” means guaranteed interest option

•“GLB” means guaranteed living benefit

•“Holdings” means Equitable Holdings, Inc.

•“HTM” means held-to-maturity

•“IMR” means interest maintenance reserve

•“IPO” means initial public offering

•“IRS” means Internal Revenue Service

•“ISDA Master Agreement” means International Swaps and Derivatives Association Master Agreement

•“IT” means information technology

•“IUS” means Investments Under Surveillance

•“K-12 public education market” means the kindergarten, primary and secondary education market

•“LDTI” means long duration targeted improvements

•“LFPB” means liability for future policy benefits

•“LGD” means loss given default

•“LTV” means loan-to-value

•“Manual” means Accounting Practices and Procedures Manual as established by the NAIC

•“MD&A” means Management’s Discussion and Analysis of Financial Condition and Results of Operations

•“MRBs” means market risk benefit

•“MSO” means Market Stabilizer Option

•“NAIC” means National Association of Insurance Commissioners

•“NAR” means net amount at risk

•“NAV” means net asset value

•“NFA” means National Futures Association

•“NGEs” means non-guaranteed elements

•“NI” means non-insulated

•“NII” means net investment income

•“NLG” means no-lapse guarantee

•“Non-GAAP operating common EPS” means Non-GAAP Operating Earnings per common share

•“Non- GAAP Operating EPS” means Non-GAAP operating earnings EPS performance shares” means performance shares based on the Company’s 3-year growth rate on Non-GAAP Operating Earnings per share

•“Non- GAAP Operating EPS” means Non-GAAP operating earnings per share

•“Non-GAAP Operating ROE” means Non-GAAP Operating return on equity

•“NYDFS” means New York State Department of Financial Services

•“NYSE” means New York Stock Exchange

•“NWOW” means New Ways of Working

•“OBBBA” means the One Big Beautiful Bill Act

•“OCI” means other comprehensive income

•“ORSA” means Own Risk and Solvency Assessment Model Act

•“OTC” means over-the-counter

•P-Caps” means pre-capitalized trust securities

•“PBO” means projected benefit obligation

•“PD” means probability of default

•“PEO” means professional employer organizations

•“PFBL” means profits followed by losses

•“PPWG” means the NAIC’s Privacy Protections (H) Working Group

•“PTE” means prohibited transaction exemption

•“Protection Business” means our life and employee benefits businesses, both of which appear in Corporate & Other

•“PTP” means publicly traded partnership

•“R&P” means retirement and protection

•“RBG” means the Retirement Benefits Group, a specialized division of Equitable Advisors

•“RC” means Retirement Cornerstone

•“Reg 213” means New York Insurance Regulation 213

•“Reg BI” means Regulation Best Interest

•“REITs” means real estate investment trusts

•“RIC” means SEC-registered investment company

•“RoU” means right of use

•“RSUs” means restricted stock units

•“SAP” means statutory accounting principles

•“SCB LLC” means Sanford C. Bernstein & Co., LLC, a registered investment adviser and broker-dealer

•“SCBL” means Sanford C. Bernstein Limited

•“SCS” means Structured Capital Strategies

•“SEC” means U.S. Securities and Exchange Commission

•“Series A Preferred Stock” means Holdings’ Series A Fixed Rate Noncumulative Perpetual Preferred Stock

•“Series B Preferred Stock” means Holdings’ Series B Fixed Rate Reset Noncumulative Perpetual Preferred Stock

•“Series C Preferred Stock” means Holdings’ Series C Fixed Rate Reset Noncumulative Perpetual Preferred Stock

•“SIA” means sales inducement asset

•“SIFI” means a systemically significant designation by FSOC

•“SIO” means structured investment option

•“SOA” means Society of Actuaries

•“SocGen” means Société Générale

•“SOFR” means Secured Overnight Financial Rate

•“SPE” means special purpose entity

•“SPLLC” means special purpose limited liability company

•“SSAP” means Statements of Standard Accounting Practice

•The “Standard” means NAIC accreditation standards

•“SVO” means Securities Valuation Office

•“TCJA” means the Tax Cuts and Jobs Act

•“TIPS” means treasury inflation-protected securities

•“Topix” means Tokyo Stock Price Index

•“TSR performance shares” means performance shares based on Holdings’ relative total shareholder return targets

•“U.S.” means United States

•“U.S. GAAP” means accounting principles generally accepted in the United States of America

•“Venerable” means Venerable Holdings, Inc., a Delaware corporation

•“VIE” means variable interest entity

•“VISL” means variable interest-sensitive life

•“VOE” means voting interest entity