POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of Equitable Financial Life and Annuity Company (the “Company”), a Colorado company, hereby constitutes and appoints Darin D. Smith, Kurt Meyers, Ralph A. Petruzzo, Nicholas Huth and Alfred Ayensu-Ghartey, 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, as well as, any future separate account(s), registration statements, and/or future file number(s) that the Company establishes through which securities, particularly variable annuity contracts, variable universal life insurance policies, registered index-linked annuity contracts, or other registered annuity contracts are to be offered for sale, each of said attorneys-in-fact and agents 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 in connection with the novation and assumption reinsurance transactions and include the registration statements listed below:

Separate Account No. 49B (811-23911)

 

PRODUCT NAME AND REGISTRATION STATEMENT FILE NUMBER:

Accumulator® (2002, 2004, 2006, 2006-JS, 2007, 8.0 Series and 9.0 Series) - 333-275027

Accumulator® Plus (2002, 2004, 2006, 2006-JS, 2007, 8.0 Series and 9.0 Series) - 333-275028 Accumulator® Elite (2002, 2004, 2006, 2006-JS, 2007, 8.0 Series and 9.0 Series) - 333-275029 Accumulator® Select (2002, 2004, 2006, 2006-JS, 2007, 8.0 Series and 9.0 Series) - 333-275030 Accumulator® Series 11.0/11A - 333-275031

Accumulator® Series 13.0/13A - 333-275032

N-4 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above.

This instrument may be executed in one or more counterparts.

The undersigned has hereunto set his or her hand on the date(s) below.

 

Date				Signature				Title
11/13/2025				/s/ David Karr David Karr				Director
11/7/2025				/s/ Nicholas B. Lane Nicholas B. Lane				Director and Chief Executive Officer

 

EFLA -Novation

Date				Signature				Title
11/7/2025				/s/ Robin M. Raju  Robin M. Raju				Director
11/7/2025				/s/ Peter Tian  Peter Tian				Director and Chief Financial Officer
11/13/2025				/s/ Yun (“Julia”) Zhang  Yun (“Julia”) Zhang				Director
11/12/2025				/s/ William Eckert  William Eckert				Chief Accounting Officer

 

EFLA -Novation