0000893220-04-001866 Sample Contracts

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

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)
Investment Advisory Agreement • August 31st, 2004 • Gartmore Variable Insurance Trust

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
Fund Administration and Transfer Agency Agreement • August 31st, 2004 • Gartmore Variable Insurance Trust
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