AMENDED EXHIBIT A to the Expense Limitation Agreement between GARTMORE VARIABLE INSURANCE TRUST and GARTMORE MUTUAL FUND CAPITAL TRUST October 15, 2002

--------------------------------------------------------------------------------

                                        2

Exhibit  23(h)(4)(d)(1)

                                AMENDED EXHIBIT A
                  to the Expense Limitation Agreement between
                        GARTMORE VARIABLE INSURANCE TRUST
                                      and
                       GARTMORE MUTUAL FUND CAPITAL TRUST
                                October 15, 2002

                           (As amended April 28, 2003)

NAME OF FUND/CLASS                         EXPENSE LIMITATION FOR FUND/CLASS
----------------------------------------------------------------------------

Gartmore  GVIT  Money  Market  Fund                    Class  V      0.55%*
                                                       Class  IV     0.50%**

*    Effective  until  at  least  April  30,  2004.
**   Effective  until at least October 1, 2004. These expense limitations may be
     revised,  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  anytime  if  mutually  agreed  upon  by  the  parties.

                                        GARTMORE  VARIABLE  INSURANCE  TRUST

                                        By:     XXXXX  XXXXXXXXX
                                        Name:   Xxxxx  Xxxxxxxxx
                                        Title:  Assistant  Secretary

                                        GARTMORE  MUTUAL  FUND  CAPITAL  TRUST

                                        By:     XXXXXX  X.  XXXXXXX
                                        Name:   Xxxxxx  X.  Xxxxxxx
                                        Title:  SVP  -  CAO

--------------------------------------------------------------------------------