0000893220-04-001866 Sample Contracts

EXHIBIT B SUBADVISORY AGREEMENT BETWEEN GARTMORE VARIABLE INSURANCE TRUST, GARTMORE MUTUAL FUND CAPITAL TRUST AND THE DREYFUS CORPORATION DATED OCTOBER 20, 1995
Gartmore Variable Insurance Trust • August 31st, 2004

This prohibition does not apply to communications by the Adviser in connection with the Adviser's (i) overall supervisory responsibility for the general management and investment of the Fund's assets; (ii) determination of the allocation of assets among the Manager(s), if any; and (iii) investment discretion with respect to the investment of Fund assets not otherwise assigned to a Manager.

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EXHIBIT B SUBADVISORY AGREEMENT BETWEEN GARTMORE VARIABLE INSURANCE TRUST, GARTMORE MUTUAL FUND CAPITAL TRUST AND THE DREYFUS CORPORATION DATED SEPTEMBER 24, 1999
Gartmore Variable Insurance Trust • August 31st, 2004

This prohibition does not apply to communications by the Adviser in connection with the Adviser's (i) overall supervisory responsibility for the general management and investment of the Fund's assets; (ii) determination of the allocation of assets among the Manager(s), if any; and (iii) investment discretion with respect to the investment of Fund assets not otherwise assigned to a Manager.

EFFECTIVE JANUARY 1, 2004
Gartmore Variable Insurance Trust • August 31st, 2004

SUBADVISORY AGREEMENT BETWEEN GARTMORE GLOBAL ASSET MANAGEMENT TRUST (FORMERLY VILLANOVA GLOBAL ASSET MANAGEMENT TRUST) GARTMORE VARIABLE INSURANCE TRUST (FORMERLY NATIONWIDE SEPARATE ACCOUNT TRUST) AND GARTMORE GLOBAL PARTNERS

EXHIBIT B SUBADVISORY AGREEMENT BETWEEN GARTMORE VARIABLE INSURANCE TRUST, GARTMORE MUTUAL FUND CAPITAL TRUST AND THE DREYFUS CORPORATION DATED APRIL 28, 2003
Gartmore Variable Insurance Trust • August 31st, 2004

This prohibition does not apply to communications by the Adviser in connection with the Adviser's (i) overall supervisory responsibility for the general management and investment of the Fund's assets; (ii) determination of the allocation of assets among the Manager(s), if any; and (iii) investment discretion with respect to the investment of Fund assets not otherwise assigned to a Manager.

EXHIBIT A INVESTMENT ADVISORY AGREEMENT BETWEEN GARTMORE VARIABLE INSURANCE TRUST (FORMERLY NATIONWIDE SEPARATE ACCOUNT TRUST) AND GARTMORE GLOBAL ASSET MANAGEMENT TRUST (FORMERLY VILLANOVA GLOBAL ASSET MANAGEMENT TRUST)
Gartmore Variable Insurance Trust • August 31st, 2004

Gartmore GVIT European Leaders Fund 1.00% of the Fund's average Not Seeded (formerly Gartmore NSAT European daily net assets Growth Fund)

FEE SCHEDULE AMENDED APRIL 30, 2004
Gartmore Variable Insurance Trust • August 31st, 2004
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