0001398344-11-000933 Sample Contracts

INVESTMENT SUB-ADVISORY AGREEMENT
Investment Sub-Advisory Agreement • April 29th, 2011 • Wilshire Variable Insurance Trust • Delaware

This Investment Sub-Advisory Agreement (“Agreement”) is made as of the 19th day of November, 2010 (the “Effective Date”) by and between Wilshire Associates Incorporated, a California corporation (“Adviser”), and TWIN Capital Management, Inc., a registered investment adviser (“Sub-Adviser”).

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EXPENSE LIMITATION AGREEMENT
Expense Limitation Agreement • April 29th, 2011 • Wilshire Variable Insurance Trust

EXPENSE LIMITATION AGREEMENT (the “Agreement”), effective as of May 1, 2011 by and between Wilshire Associates Incorporated, a California corporation (the “Adviser”) and Wilshire Variable Insurance Trust (the “Trust”), on behalf of the Wilshire 2015 ETF Fund, Wilshire 2025 ETF Fund and Wilshire 2035 ETF Fund (each a “Fund” and collectively, the “Funds”).

AMENDED INVESTMENT ADVISORY AGREEMENT
Investment Advisory Agreement • April 29th, 2011 • Wilshire Variable Insurance Trust • Delaware

This Investment Advisory Agreement is made as of the 28th day of April, 2006, as amended as of the 22nd day of December 2008, between WILSHIRE VARIABLE INSURANCE TRUST, a Delaware statutory trust (herein called the "Company"), and WILSHIRE ASSOCIATES INCORPORATED, a California corporation (herein called the "Advisor").

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