Document:

EX-4.(C)(9)

 Exhibit 4(c)(9) 
  

 
 Home Office: Cincinnati, Ohio 

Administrative Office: [P.O. Box 5423, Cincinnati, OH 45201-5423] 

[iSHARES MSCI EAFE ETF 2-YEAR GROWTH 

WITH PARTICIPATION RATE INDEXED STRATEGY] 

Crediting Strategy Endorsement 

Index Gain and Loss Subject to a Participation Rate for Each Term 

Term 
 Each Term for this Strategy is two years long. 

Gain or Loss 
 Each day, the value of the Strategy
includes the Gain or Loss for the Term. 
 Gain or Loss is calculated on the remaining investment base for the current Term. For this purpose, the
investment base starts with the amount applied to that Strategy at the start of the current Term. It is then reduced to pay for each withdrawal or charge that is taken from the Strategy during the current Term. 

Gain or Loss at the End of a Term 
 After the final Market
Close of a Term, any Gain or Loss is determined based on the increase or decrease in the price of iSHARES MSCI EAFE ETF since the start of the Term. This increase or decrease is expressed as a percentage of the price at the start of the Term. It is
measured from the price at the last Market Close on or before the first day of the Term to the price at the final Market Close of the Term. The price is the price for the last reported sale on the New York Stock Exchange Arca before the close of
regular trading on that day. 
 Any Gain for the Term is subject to the Upside Participation Rate. Any Loss for the Term is subject to the Downside
Participation Rate. 
 Gain or Loss before the End of a Term 

Before the final Market Close of a Term, the Gain or Loss for the Term is a percentage equal to: 

 

	 	1)	 the net option value for the Strategy as of the most recent Market Close of the Term; minus

  

	 	2)	 the amortized option cost as of the most recent Market Close of the Term; and minus 

 

	 	3)	 Trading Cost. 

The net option value as of a Market Close is a percentage equal to: 
  

	 	1)	 the value of the ATM Call Option at the Market Close, multiplied by the Upside Participation Rate; minus

  

	 	2)	 the value of the ATM Put Option at the Market Close, multiplied by the Downside Participation Rate.

  
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 The amortized option cost is a percentage equal to: 

 

	 	1)	 the net option value for the Strategy at the start of the Term; multiplied by 

 

	 	2)	 the number of days remaining until the final Market Close of the Term divided by 730. 

ATM Call Option 
 The ATM Call Option is a hypothetical
call option that will pay the holder an amount equal to the percentage increase, if any, in the price from the last Market Close on or before the start of the Term to the final Market Close of the Term. 

ATM Put Option 
 The ATM Put Option is a hypothetical put
option that will pay the holder an amount equal to the percentage decrease, if any, in the price from the last Market Close on or before the start of the Term to the final Market Close of the Term. 

Option Values 
 The ATM Call Option and ATM Put Option are
valued by us using a market standard model for valuing an option. Each value is stated as a percentage of the price at the last Market Close on or before the first day of the Term. 

Upside Participation Rate 
 The Upside Participation Rate
is the portion of the increase in the price for a Term taken into account to determine the Gain for the Term. We will set the Upside Participation Rate for each initial or renewal Term of this Strategy before the first day of that Term. For a given
Term, we may set a different Upside Participation Rate for amounts attributable to Purchase Payments received on different dates. 
 Downside
Participation Rate 
 The Downside Participation Rate is the portion of the decrease in the price for a Term taken into account to determine the Loss for
the Term. The Downside Participation Rate for each Term of this Strategy is [50%]. 
 Trading Cost 

Trading Cost is the estimated cost of selling the hypothetical option before the end of a Term. It is a percentage set by us from time to time to reflect the
average difference between the Option Values and market bid prices. 
 Market Close 

A Market Close for this Strategy is the close of regular trading on the New York Stock Exchange on each day that is a Market Day. 

Index Information 
 iShares MSCI EAFE ETF (EFA on the New
York Stock Exchange Arca) is an exchange traded fund that seeks to track the investment performance of an index composed of U.S. equities in the real estate sector. 

[The iShares MSCI EAFE ETF is distributed by BlackRock Investments, LLC. iShares®,
BLACKROCK®, and the corresponding logos are registered and unregistered trademarks of BlackRock, Inc. and its affiliates (“BlackRock”), and these trademarks have been licensed for
certain purposes by Great American Life Insurance Company. Great American Life Insurance Company annuity products are not sponsored, endorsed, sold or promoted by BlackRock, and purchasers of an annuity from Great American Life Insurance Company do
not acquire any interest in the iShares MSCI EAFE ETF nor enter into any relationship of any kind with BlackRock. BlackRock makes no representations or warranty, express or implied, to the owners of any Great American Life Insurance Company annuity
product or any member of the public regarding the advisability of purchasing an annuity, nor does it have any liability for any errors, omissions, interruptions or use of the iShares MSCI EAFE ETF or any data related thereto.] 

  
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 GAIN OR LOSS UNDER THIS CREDITING STRATEGY IS DETERMINED IN PART BASED ON THE iSHARES MSCI EAFE ETF.
HOWEVER, THIS CONTRACT DOES NOT DIRECTLY PARTICIPATE IN ANY EQUITY INVESTMENTS. 
 This is part of your 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 Endorsement shall control. 

Signed for us at our office as of the Contract Effective Date. 
  

			
	

	 	

	Mark F. Muething	 	John P. Gruber
	President	 	Secretary

  
 3EX-4.(C)(10)

 EXHIBIT 4(C)(10) 
  

 
 Home Office: Cincinnati, Ohio 

Administrative Office: [P.O. Box 5423, Cincinnati, Ohio 45201-5423] 

GUARANTEED DEATH BENEFIT ENDORSEMENT 

Death Benefit Value – Return of Premium Guarantee 

The Death Benefit Value of this Contract will never be less than the Return of Premium Guarantee. The Return of Premium Guarantee is equal to the Purchase
Payments; reduced proportionally for each withdrawal, including withdrawals to pay rider charges, but not including amounts applied to pay Early Withdrawal Charges. 

The proportional reduction for a withdrawal is based on the amount of the withdrawal as a percentage of the Account Value immediately before the withdrawal.

 The Return of Premium Guarantee is reduced by: 
  

	 	1)	 rider charges not previously deducted; and 

 

	 	2)	 premium tax or other taxes not previously deducted. 

This is part of your 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 Endorsement shall control. 
 Signed for us at our office as of the date of issue. 

 

			
	

	 	

	MARK F. MUETHING	 	JOHN P. GRUBER
	EXECUTIVE VICE PRESIDENT	 	SECRETARYEX-10.(A)

 SERVICES AGREEMENT 

This Amended and Restated Services Agreement (“Agreement”), is made effective this 16 day of April, 2018 by and between Great American Financial
Resources, Inc. (“GAFRI”) and Great American Life Insurance Company (“GALIC”), Annuity Investors Life Insurance Company (“AILIC”) and Manhattan National Life Insurance Company (“MNLIC”) (each a
“Party” and, collectively, the “Parties” except where the context demands otherwise). 
 WHEREAS, GAFRI and GALIC, AILIC and MNLIC are
affiliated as members of the same holding company group; 
 WHEREAS, GAFRI has the skilled personnel, facilities, equipment and other capabilities to
provide services needed by, and GALIC, AILIC and MNLIC desire to obtain from GAFRI such personnel and services from time to time; and 
 WHEREAS, the
Parties desire to establish the terms upon which such services will be provided among the Parties. 
 NOW, THEREFORE, in consideration of the foregoing and
the several promises, covenants, conditions and stipulations contained herein, the Parties agree as follows: 
  

	1.	 Services 

GAFRI agrees to furnish and GALIC, AILIC and MNLIC agree to accept on the following terms and conditions such infrastructure, printing, office, duplicating,
telecommunications, purchasing, personnel, data processing, administrative, consultative, legal, financial, actuarial and other services (collectively, the “Services”) performed or provided by GAFRI as requested by GALIC, AILIC and MNLIC
(the “Requesting Party” or “Insurer Party”). 
  

	2.	 Fees 

GAFRI shall receive and each Requesting Party agrees to pay for the Services furnished on the basis of the cost of such Services, provided that the cost shall
be no greater than that which the Requesting Party would expend in providing such services for itself. Payment shall be made by each Requesting Party to GAFRI and expenses shall be apportioned among the Parties for the Services provided in
accordance with all current and effective statutory accounting practices and procedures. 
 GAFRI shall prepare statements of the Services performed and
fees charged therefor. The statements shall be submitted, not less often than quarterly, to the appropriate Requesting Party and payment therefor shall be due within 30 days from the date of the statement. 

Except for the payment of the Services provided by GAFRI pursuant to this Agreement, the Parties agree that each Insurer Party shall be prohibited from
advancing funds to any other Party. 

  
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	3.	 Regulatory Approval 

This Agreement shall not become operative or commence until all legal requirements and conditions, if any, of the insurance departments having jurisdiction
pertaining to its implementation have been addressed. 
  

	4.	 Business Records 

The books, accounts, records and files developed, maintained under, or related to this Agreement (“Business Records”) shall be so maintained as to
clearly and accurately disclose the nature and details of the Services including such accounting information as is necessary to support the expenses apportioned to the respective Parties. These Business Records shall be maintained in accordance with
each Party’s records retention program and made available at all reasonable times to the Parties or their independent auditors. All appropriate Business Records supporting payments by Insurer Party shall be made available upon reasonable notice
to the insurance departments having jurisdiction pertaining to this Agreement’s implementation. The Business Records that are the property of each Insurer Party shall remain their property and subject to their control. Each Party is, at any
time, entitled to receive the return of its Business Records after reasonable written notice to the Party in possession of such Business Records. 
  

	5.	 Termination 

This Agreement may be terminated as follows, provided that if terminated with respect to one or more but not all Parties, this Agreement shall remain in full
force and effect with respect to all remaining Parties: 
  

	 	a.	 as to any Party, at any time upon 30 days prior written notice to the other Parties hereto;

  

	 	b.	 immediately as to any Party that ceases to be a member of the holding company group; or 

 

	 	c.	 upon breach by one of the Parties, and only as to such breaching Party, at any time upon 30 days prior written
notice to such breaching Party. 

  

	6.	 Insurer Oversight 

Each Insurer Party will maintain oversight for the Services it receives from GAFRI. In addition, each Insurer Party will monitor the Services provided by GAFRI
for quality assurance at least annually. 
  

	7.	 Funds and Invested Assets 

All funds and invested assets of each Insurer Party, as related to this Agreement, is their exclusive property, held for their benefit, and subject to their
control. 

  
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	8.	 Indemnification 

GAFRI shall indemnify and hold harmless each Insurer Party hereto from and against all losses, damages, costs and expenses, including attorney’s fees,
claims, or liabilities suffered by the Insurer Parties in connection with or arising out of the gross negligence or willful misconduct on the part of GAFRI in providing the Services hereunder. 

 

	9.	 Insolvency or Receivership of an Insurer Party 

In the event that an Insurer Party goes into receivership or is seized by the applicable state insurance commissioner or similar regulatory officer having
jurisdiction over such Insurer Party (the “Director”): 
  

	 	a.	 the receiver or Director shall acquire all the rights of such Insurer Party under this Agreement;

  

	 	b.	 all Business Records of such Insurer Party will immediately be available to the receiver or Director and shall
be turned over to the receiver or Director immediately upon receipt of the receiver’s or Director’s request; 

  

	 	c.	 the other Parties to the Agreement will not have an automatic right to terminate the Agreement; and

  

	 	d.	 GAFRI, providing the Services under this Agreement to such Insurer Party, will be required to maintain the
Services notwithstanding a seizure by a Director or receiver. In addition, GAFRI shall make available to the receiver or Director the Services for as long as GAFRI continues to receive timely payment for the Services rendered. 

 

	10.	 Arbitration 

In the case of any disagreement regarding any provision of this Agreement, the Parties shall submit their differences to three (3) competent and
disinterested arbitrators. One (1) arbitrator shall be appointed by the Insurer Parties and one (1) arbitrator shall be appointed by GAFRI. Those two (2) arbitrators shall select a third disinterested arbitrator. A decision rendered
in writing and signed by at least two (2) of the arbitrators shall be conclusive and binding upon all Parties to this Agreement. Any arbitration under this Agreement shall be held in Hamilton County, Ohio. 

 

	11.	 Offset 

The Parties shall have, and may exercise at any time and from time to time, the right to offset any and all balances due from one Party against any balances
due to another Party, whether arising under this Agreement or otherwise. In the event of the insolvency of a Party, offsets shall only be allowed in accordance with the provisions of any applicable law governing offset entitlement. 

  
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	12.	 Other Agreements 

This Agreement is intended to replace any other agreements between any of the Parties pursuant to which one or more of the services related to the Services
provided under this Agreement. In the event of any conflict between the terms of this Agreement and the terms of another agreement between any of the Parties pursuant to which a service is provided, the terms of this Agreement shall prevail. 

 

	13.	 Amendment 

This Agreement may be changed at any time by an amendment executed by the Parties, which amendment shall be filed for review with the departments of insurance
having jurisdiction pertaining to this Agreement’s implementation. 
  

	14.	 Governing Law 

This Agreement shall be interpreted in accordance with the laws of the State of Ohio without giving effect to its principles or rules of conflict of laws. 

 

	16.	 Entire Agreement 

This Agreement constitutes the entire agreement of the Parties with respect to the subject matter herein. The Parties have not relied on any statement,
representation, warranty, or agreement of another Party or of any other person on such Party’s behalf, except for those expressly contained in this Agreement. 

[Remainder of Page Intentionally Left Blank; Signature Page Follows] 

  
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 IN WITNESS WHEREOF, the Parties have executed this Agreement as of the day and year first above written.

  

					
	GREAT AMERICAN FINANCIAL RESOURCES, INC. 
		
	BY:	 	 

  

		 	ITS:	 	President                                    
            
	
	GREAT AMERICAN LIFE INSURANCE COMPANY
		
	BY:	 	 

  

		 	ITS:	 	President                                     
           
	
	ANNUITY INVESTORS LIFE INSURANCE COMPANY
		
	BY:	 	 

  

		 	ITS:	 	President                                    
            
	
	MANHATTAN NATIONAL LIFE INSURANCE COMPANY
		
	BY:	 	 

  

		 	ITS:	 	President                                    
            

  
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