Seventh Amendment to Participation Agreement As of February 12, 2021 by and among Franklin Templeton Variable Insurance Products Trust Franklin/Templeton Distributors, Inc. Equitable Financial Life Insurance Company

Provision of Fund Documents; Website Posting.

Fund Documents. In order to assist the Company in the Company’s compliance with the Rules, including the Company’s obligation to host certain documents on its website (the “Company Website”), we will provide to the Company the following “Fund Documents,” as specified in paragraph (b)(1) of Rule 30e-3 and paragraph (j)(1)(iii) of Rule 498A:

Summary Prospectus for the Portfolios;

Statutory Prospectus for the Portfolios;

Statement of Additional Information (“SAI”) for the Portfolios;

Most Recent Annual and Semi-Annual Reports to Shareholders (under Rule 30e-1 under the ▇▇▇▇ ▇▇▇) for the Portfolios (together, the “Shareholder Reports”) (referred to in Rule 30e-3 as the “Current” and “Prior” Report to Shareholders);

Complete Portfolio Holdings from Shareholder Reports Containing a Summary Schedule of Investments; and

Portfolio Holdings for Most Recent First and Third Fiscal Quarters (together with the complete portfolio holdings specified in (v) above, the “Portfolio Holdings”).

Timing for Providing, and Currentness of, Fund Documents.

We will provide the Summary Prospectus, Statutory Prospectus, and SAI for the Portfolios, and amendments thereto, to the Company (or its designee), to the extent specified in Rule 498A and within a time frame reasonably designed to assist the Company in complying with the Company’s website

We will use commercially reasonable efforts to make available on website(s) we designate the Shareholder Reports and Portfolio Holdings to the extent specified in Rule 30e-3 approximately 58 days following the close of the Trust’s reporting period. The failure by us to provide or make available Shareholder Reports and Portfolio Holdings on a timely basis shall not be considered a breach of this Amendment. The Company covenants that it will not make public any portfolio holdings information prior to the date on which the Trust files such information with the SEC on ▇▇▇▇▇, and will execute a non-disclosure agreement with respect to this covenant, in the form we provide, prior to Our provision of portfolio holdings information. If the Fund does not provide the Company with its complete portfolio holdings pursuant to Rule 30e-3(b)(1)(iii) because they are currently included in the Shareholder Report, and later seeks to discontinue including the complete portfolio holdings in the Shareholder Report, it will give the Company no less than sixty (60) day’s advance written notice prior to implementing the change.

Format of Fund Documents. We will provide the Fund Documents to the Company (or its designee) in an electronic format that is suitable for website posting, and in a format, or formats, that:

are both human-readable and capable of being printed on paper in human-readable format (in accordance with paragraph (b)(3) of Rule 30e-3 and paragraph (h)(2)(i) of Rule 498A); and

will enable the Company to permit persons accessing the Statutory Prospectus and SAI to move directly back and forth between each section heading in a table of contents of such document and the section of the document referenced in that section heading (that is, these documents must include linking, in accordance with paragraph (h)(2)(ii) of Rule 498A); and

will enable the Company to permit persons accessing the Fund Documents to permanently retain, free of charge, an electronic version of such materials that meet the requirements of subparagraphs (h)(2)(i) and (ii) of Rule 498A (in accordance with paragraph (h)(3) of Rule 498A).

Website Hosting. The Company shall host and maintain the website specified in paragraph (j)(1)(iii) of Rule 498A, so that the Fund Documents are publicly accessible, free of charge, at that website, in accordance with the conditions set forth in that paragraph.

Allocation of Costs. Costs of preparation, printing, and delivery of Fund documents will be allocated as provided in the Participation Agreement.

Designated Portfolio Documents. The Fund Documents will be considered Designated Portfolio Documents for purposes of Section 4.6 of the Participation Agreement.

Use of Summary Prospectuses.

The Company shall ensure that an Initial Summary Prospectus is used for each currently offered Variable Contract described under the related registration statement, in accordance with paragraph (j)(1)(i) of Rule 498A.

The Trust currently uses a summary prospectus for the Portfolios, which is subject to the Summary Prospectus Addendum to the Participation Agreement; we will provide sixty (60) days advance notice to the Company if we decide to discontinue the use of summary prospectuses for any relevant Portfolio.

Provision of Fund Documents for Paper Delivery. The Fund and the Underwriter shall provide the Company with Fund Documents necessary to satisfy requests from Contract Owners pursuant to paragraphs (e) and (f) of Rule 30e-3 and paragraphs (i)(1) and (j)(3) of Rule 498A, and reimburse the Company for Printing Expenses (as defined in the Participation Agreement) associated with such Fund Documents, in accordance with the reimbursement and document production provisions of the Participation Agreement.

Portfolio Expense and Performance Data. We will provide such data regarding each Portfolio’s expense ratios and investment performance made publicly available by the Trust as the Trust is required to prepare for inclusion in the Portfolio’s prospectuses, as the Company may reasonably request in order for the Company to fulfill its obligations under Form N-4 and Rule 498A. Without limiting the generality of the forgoing, the Fund shall provide the following Portfolio expense and performance data on a timely basis to facilitate the Company’s preparation of its annually updated registration statement for the Variable Contracts (and as otherwise reasonably requested by the Company), but in no event later than sixty (60) calendar days after the close of each Portfolio’s fiscal year:

the gross “Annual Portfolio Company Expenses” for each Portfolio calculated in accordance with Item 3 of Form N-1A, before any expense reimbursements or fee waiver arrangements for the time periods required in Form N-1A; and

the net “Annual Portfolio Company Expenses” (aka “Total Annual Fund Operating Expenses”) for each Portfolio calculated in accordance with Item 3 of Form N-1A, that include any expense reimbursements or fee waiver arrangements and the period for which the expense reimbursements or fee waiver arrangement is expected to continue and whether it can be terminated by the Portfolio (or Fund); and

the “Average Annual Total Returns” for each Portfolio (before taxes) as calculated pursuant to Item 4(b)(2)(iii) of Form N-1A and made publicly available by the Trust.

Construction of this Amendment; Participation Agreement.

This Amendment shall be interpreted in a manner that is consistent with Rule 30e-3 under the 1940 Act and Rule 498A (including paragraph (j) thereof) under the 1933 Act and any interpretations of those Rules by the Securities and Exchange Commission, its staff, courts, or other appropriate legal authorities.

To the extent the terms of this Amendment conflict with the terms of the Participation Agreement, the terms of this Amendment shall control; otherwise, and except as otherwise specifically set forth in this Amendment, the terms of the Participation Agreement shall continue to apply, and shall apply to the duties, responsibilities, rights and obligations of the Parties under and pursuant to this Amendment.

Termination. This Amendment shall terminate upon the earlier of:

termination of the Participation Agreement; or

sixty (60) days written notice from any Party to the other Parties.

Counterparts and Delivery. This Amendment may be executed in two or more counterparts, each of which shall be an original and all of which together shall constitute one instrument. A signed copy of this Amendment delivered by facsimile or by emailing a copy in .pdf form shall be treated as an original and shall bind all Parties just as would the exchange of originally signed copies.

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