EXHIBIT 22(D)(3)(A)(2)

                                    EXHIBIT B
                              SUBADVISORY AGREEMENT
                   BETWEEN GARTMORE VARIABLE INSURANCE TRUST,
                     GARTMORE MUTUAL FUND CAPITAL TRUST AND
                             THE DREYFUS CORPORATION
                             DATED OCTOBER 20, 1995

                         AMENDED EFFECTIVE JUNE 11, 2004

In connection with securities transactions for a Fund, the Subadviser that is
(or whose affiliated person is) entering into the transaction, and any other
investment manager that is advising an affiliate of the Fund (or portion of the
Fund) (collectively, the "Managers" for the purposes of this Exhibit) entering
into the transaction are prohibited from consulting with each other concerning
transactions for the Fund in securities or other assets and, if both Managers
are responsible for providing investment advice to the Fund, the Manager's
responsibility in providing advice is expressly limited to a discrete portion of
the Fund's portfolio that it manages.

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.

                          TRUST:
                          GARTMORE VARIABLE INSURANCE TRUST

                          By:       /s/ James Bernstein
                                    ------------------------------------
                          Name:     James Bernstein
                          Title:    Assistant Secretary


                          ADVISER:
                          GARTMORE MUTUAL FUND CAPITAL TRUST

                          By:       /s/ Gerald J. Holland
                                    ------------------------------------
                          Name:     Gerald J. Holland
                          Title:    Senior Vice President


                          SUBADVISER:
                          THE DREYFUS CORPORATION

                          By:       /s/ J. Charles Cardona
                                    ------------------------------------
                          Name:     J. Charles Cardona
                          Title:    Vice Chairman