Home Office: Cincinnati, Ohio Administrative Office: [P.O. Box 5423, Cincinnati, Ohio ###-###-####] GUARANTEED WITHDRAWAL BENEFIT RIDER Not Transferable

This Guaranteed Withdrawal Benefit Rider (this “Rider”) is attached to an individual deferred annuity contract (“Contract”). The Contract number is set out on the Rider Specifications page. This Rider provides guaranteed withdrawal rights (i) for the life of the Insured, or (ii) for the joint lives of the Insured and his or her Spouse and for the remaining life of the survivor of them. You shall be entitled to take withdrawals from the Contract equal to the Benefit amount even if the Contract values are exhausted. The rights to such withdrawals are subject to the terms and conditions set out in this Rider.

As you read through this Rider, please note that the words “we”, “us”, “our”, and “Company” refer to Great American Life Insurance Company. The words “you” and “your” refer to the owner of the Contract, including a joint owner, if any. “Administrative Office” means our home office or any other place of business that we may designate for administration.

This rider is a part of the Contract. It is not a separate contract. It changes the Contract only as and to the extent stated. In all cases of conflict with the other terms of the Contract, the provisions of this Rider shall control.

INQUIRIES:    For information, or to make a complaint, call or write:

[Policy Administration

Great American Life Insurance Company^® 

P.O. Box 5423

Cincinnati, Ohio ###-###-####

1 ###-###-####]

TABLE OF CONTENTS                    Page

DEFINITIONS                        6

GENERAL PROVISIONS                7

Misstatement                        7

Rights Not Transferable                7

Terminating This Rider                7

RIDER CHARGES                    7

Rider Charge Amounts                7

Rider Charge Payments                7

Waiver of Charges                    7

Refund of Charges                    7

RIDER VALUES                    8

Benefit Base Amount                    8

Adjustments for Contract Strategy Performance    8

Adjustments for Excess Withdrawals            8

BENEFITS                        9

Benefit Waiting Period                9

Benefit Selection                    9

Benefit Start Date                    9

Available Benefit Amount                9

Minimum Benefit                    9

Benefit Payments                    10

EFFECT OF RIDER ON CONTRACT TERMS        10

Strategies Limited                    10

Loans Limited                    11

Continuation of Contract                11

Income Benefit of Contract                11

Death Benefit of Contract                11

TERMINATION                        11

Capitalized terms not defined in this Rider have the same meaning as such terms are defined in the Contract.

Benefit: A guaranteed withdrawal benefit that is available under the BENEFITS section of this Rider.

Benefit Base Amount: The amount on which Rider charges and Benefit payments are based. This amount is computed under the Benefit Base Amount provision of this Rider.

Benefit Start Date: The first day that a Benefit under this Rider is to be paid.

Benefit Year: A twelve (12) month period beginning on the Benefit Start Date or on an anniversary of the Benefit Start Date.

Excess Withdrawal: Each withdrawal from the Contract on or after the Rider Effective Date except:

An offset of a defaulted Loan after the Rider Effective Date shall be considered an Excess Withdrawal.

Insured: The principal person whose lifetime is used to measure the Benefits under this Rider. The Insured is the individual who is the owner of the Contract, without regard to any joint owner. If you or a joint owner is not a human being, then the Insured is the individual who is the Annuitant under the Contract, without regard to any joint Annuitant. The Insured on the Rider Effective Date is set out on the Rider Specifications page.

Loan: To the extent permitted by the Contract, a loan made under the Contract and secured by the values of the Contract.

Required Minimum Distribution: The amount, if any, that is required to be distributed from the Contract for the current calendar year under Section 401(a)(9) of the Internal Revenue Code or the similar provisions of federal tax law to the extent applicable to the Contract. For purposes of this Rider, it shall be computed based on the values of the Contract without considering any other annuity or tax-qualified account. It shall be reduced by all prior withdrawals or Benefit payments from the Contract made in such calendar year. For purposes of this Rider, we may choose to compute it disregarding changes in federal tax law after the Rider Issue Date that would increase it. We will notify you if we make this choice.

Rider Effective Date: The effective date of this Rider. The Rider Effective Date is set out on the Rider Specifications page.

Rider Year: Each Contract Year that begins on or after the Rider Effective Date.

Spouse: The person who is the spouse of the Insured on the Benefit Start Date: A spouse shall cease to be considered the Spouse if the marriage of the Insured and Spouse is terminated by divorce, dissolution, annulment, or for other cause apart from the death of the Insured. A new spouse cannot be substituted after the Benefit Start Date.

If the age or sex of the Insured or the Spouse has been misstated, we may adjust the Benefit amount, if affected, to the amount that would have been available based on the correct age and sex. If the Benefit amount based on the correct age and sex would have been lower, we may treat any overpaid Benefit payments as Excess Withdrawals when each such overpayment was made, and adjust Contract values and the Benefit Base Amount accordingly. Such adjustments may in turn cause portions of later Benefit payments to be treated as Excess Withdrawals. This Rider shall terminate if the adjusted Benefit Base Amount is below the minimum. We may also pursue other remedies at law or in equity.

This Rider covers the named Insured on the Rider Specifications page. This Rider terminates if a change in ownership of the Contract would result in a new Insured, with certain limited exceptions allowing a spouse of the Insured to become the Insured.

You may terminate this Rider at any time by a Request in Good Order.

There is an annual charge for this Rider for each Contract Year that it is in effect. The charge for a Contract Year shall be equal to:

The Rider Charge Rate on the Rider Effective Date is set out on the Rider Specifications page. From time to time, we may in our discretion change the Rider Charge Rate for your Rider. We will provide you notice of any such change before the start of the Contract Year to which the new rate first applies.

The Rider Charge Rate shall never exceed the maximum Rider Charge Rate set out on the Rider Specifications page.

The charge for each Contract Year that this Rider is in effect is taken at the end of that Contract Year. In addition, a prorated portion of the charge for a Contract Year shall be taken upon the surrender of the Contract or other termination of this Rider.

We will take the charge for this Rider as withdrawals from the Account Value of the Contract. No Early Withdrawal Charge or other charge or fee shall be deducted on account of a withdrawal to pay Rider charges.

Charges for this Rider shall be permanently waived once the Account Value of the Contract to which it is attached is fully depleted directly as a result of withdrawals for Rider charges or Benefit payments.

We will add the charges for this Rider back to the Account Value of the Contract if the Insured dies before the Benefit Start Date, provided that the spouse of the Insured does not elect to become successor owner of the Contract.

The Benefit Base Amount is equal to:

The Benefit Base Amount will never be more than the Benefit Base Amount Cap. The Benefit Base Amount Cap is set out on the Rider Specifications page.

At the end of each Term of a Strategy under the Contract, the Benefit Base Amount is adjusted for the performance of that Strategy for that Term. The amount of the adjustment is equal to:

The Upside Participation Rate and Downside Participation Rate are set out on the Rider Specifications page. If the Downside Participation Rate is greater than 0%, then any negative net performance of an Indexed Strategy will reduce the Benefit Base Amount.

For this purpose, the net performance for a Term of an Indexed Strategy is equal to:

The Benefit Base Amount is adjusted for any Excess Withdrawal from the Contract after the Rider Effective Date. Each adjustment is made on the date that the Excess Withdrawal is taken. The amount of the adjustment is equal to:

You cannot take Benefit payments under this Rider before the end of the Benefit Waiting Period. The Benefit Waiting Period is set out on the Rider Specifications page. It is measured from the Rider Effective Date.

Prior to the Benefit Start Date, you must select one of the withdrawal options for Benefit payments under this Rider. The withdrawal options are the single lifetime withdrawal option or the joint lifetime withdrawal option. A Benefit selection must be made by a Request in Good Order. A Benefit selection cannot be changed after the Benefit Start Date.

The Benefit Start Date is the date that you first take a Benefit payment under this Rider. You may choose this date by a Request in Good Order. Such a request must be made at least thirty (30) days prior to the date that the first Benefit payment is to be taken.

The Benefit Start Date may not be before the end of the Benefit Waiting Period. If a single lifetime withdrawal option is selected, the Benefit Start Date may not be before the Insured reaches the youngest age found on the Benefit Table. If a joint lifetime withdrawal option is selected, the Benefit Start Date may not be before the Insured and Spouse both reach the youngest age found on the Benefit Table. The Benefit Table is set out on the Rider Specifications page.

You must pay off all Loans on or before the Benefit Start Date. The Benefit Start Date may not be after the date that this Rider terminates.

The available Benefit amount is the largest total amount that can be taken as a Benefit payment. It is determined each time that a Benefit payment is to be made. At any point in time, the available Benefit amount is equal to:

The Benefit Percentage determined on the Benefit Start Date based on the Benefit Table set out on the Rider Specifications page. If the single lifetime withdrawal option is selected, the Benefit Percentage is based on the age and sex of the Insured. If the joint lifetime withdrawal option is selected, the Benefit Percentage is the lesser of the Benefit Percentage based on the age and sex of the Insured and the Benefit Percentage based on the age and sex of the Spouse. For this purpose, we will use the person’s age as of his or her last birthday, and we will treat a person as male if the person was born with Y chromosomes.

The Benefit amount for a Benefit Year shall never be less than the Required Minimum Distribution, if any, for the calendar year in which that Benefit Year began.

Benefit payments shall be made at any time or times on or after the Benefit Start Date upon your Request in Good Order. A Benefit payment may be an amount up to the full Benefit amount available on the payment date. You may not take a Benefit payment of less than $50. Benefit amounts available for a Benefit Year but not taken may not be carried over to the next Benefit Year.

Until the Account Value is exhausted, Benefits are paid in the form of withdrawals from the Contract. After that, Benefits are paid under the Rider itself and no Excess Withdrawals are permitted.

All rights to take Benefit payments shall end on the earliest of:

A Benefit payment may be paid to or for another annuity or tax-qualified account in an exchange, transfer, or rollover to the full extent allowed by federal tax law.

Withdrawals made from the Contract to pay charges for this Rider or to pay Benefits shall be subject to all of the terms and conditions of the Contract, except:

Withdrawals to pay Benefits shall reduce the amount that may otherwise be taken without an Early Withdrawal Charge or other charge or fee pursuant to any free withdrawal allowance or privilege under the Contract.

Indexed Strategies with a Floor that allows for an Index Loss will not be available to you for any Term that starts on or after the Benefit Start Date. If an Indexed Strategy is not available to you because of this rule, the Bailout provision of the Contract will not apply.

You must pay off all Loans on or before the Benefit Start Date. You may not take a new Loan on or after the Benefit Start Date so long as this Rider is in effect.

If the Account Value of the Contract is completely exhausted by payment of Rider charges or Benefits, the Contract shall not terminate until the Rider terminates. However, no further Purchase Payments may be made to the Contract, no Excess Withdrawals are possible, and the Contract cannot be annuitized.

The Income Benefit under the Contract shall not be less than the annual Benefit amount, as determined under the Benefit Amount provision of this Rider as of the Income Start Date, if:

Rider charges or Benefits will reduce any Return of Premium death benefit under the Contract.