EXHIBIT A TO THE EXPENSE LIMITATION AGREEMENT BETWEEN GARTMORE VARIABLE INSURANCE TRUST ANDGARTMORE GLOBAL ASSET MANAGEMENT TRUST SEPTEMBER 1, 2000 (AS AMENDED JULY 1, 2002)

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                                EXHIBIT (h)(5)(b)
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                                    EXHIBIT A
                  TO THE EXPENSE LIMITATION AGREEMENT BETWEEN
                          GARTMORE VARIABLE INSURANCE
                 TRUST ANDGARTMORE GLOBAL ASSET MANAGEMENT TRUST
                                SEPTEMBER 1, 2000
                            (AS AMENDED JULY 1, 2002)




NAME OF FUND                                         EXPENSE
                                               LIMITATION FOR FUND*
                                                ------------------
                                                       
Gartmore GVIT Emerging Markets Fund. . . . . .  Class I      1.40%
(formerly Gartmore NSAT Emerging . . . . . . .  Class II     1.40%
Markets Fund). . . . . . . . . . . . . . . . .  Class III    1.40%

Gartmore GVIT International Growth Fund. . . .  Class I      1.25%
(formerly Gartmore NSAT International. . . . .  Class II     1.25%
Growth Fund) . . . . . . . . . . . . . . . . .  Class III    1.25%

Gartmore GVIT Global Leaders Fund. . . . . . .  Class I      1.55%
(formerly Gartmore NSAT Global Leaders Fund)

Gartmore GVIT European Leaders Fund. . . . . .  Class I      1.25%
(formerly Gartmore NSAT European Leaders Fund)  Class II     1.25%
  Class III. . . . . . . . . . . . . . . . . .               1.25%

Gartmore GVIT Global Small Companies Fund. . .  Class I      1.75%
(formerly Gartmore NSAT Global Small
Companies Fund)

Gartmore GVIT OTC Fund . . . . . . . . . . . .  Class I      1.60%
(formerly Gartmore NSAT OTC Fund)

Gartmore GVIT Asia Pacific Leaders Fund. . . .  Class I      1.25%
(formerly Gartmore NSAT Asia Pacific . . . . .  Class II     1.25%
Leaders Fund). . . . . . . . . . . . . . . . .  Class III    1.25%

Gartmore GVIT Global Financial Services Fund .  Class I      1.25%
  Class II . . . . . . . . . . . . . . . . . .               1.25%
  Class III. . . . . . . . . . . . . . . . . .               1.25%

Gartmore GVIT Global Utilities Fund. . . . . .  Class I      1.05%
  Class II . . . . . . . . . . . . . . . . . .               1.05%
  Class III. . . . . . . . . . . . . . . . . .               1.05%


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*Effective  until  July  1,  2003.  These  expense limitations may be revised to
decrease  the  limitations  after  the  expiration  of  the agreed upon term, if
mutually  agreed  upon by the parties.  They may also be revised to increase the
limitations  at  any  time  if  mutually  agreed  upon  by  the  parties.

     GARTMORE  VARIABLE  INSURANCE  TRUST

     By:     /s/  Xxxx  Tantra
     Name:        Xxxx  Tantra
     Title:       Assistant  Secretary

     GARTMORE  GLOBAL  ASSET  MANAGEMENT  TRUST

     By:     /s/  Xxxxx  X.  Xxxxxxxx
     Name:        Xxxxx  X.  Xxxxxxxx
     Title:       V.P.-  Associate  General  Counsel


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