EX-28.h.3.d

EXHIBIT A
to the Expense Limitation Agreement between
NATIONWIDE VARIABLE INSURANCE TRUST
and NATIONWIDE FUND ADVISORS
Effective May 1, 2007
Amended as of October 1, 2025*†
Name of Fund
Expense Limitation
 for Fund
Expenses Excluded for Purposes of “Fund Operating Expenses” in Section 1.1
NVIT S&P 500 Index Fund
 
Class I
Class II
Class IV
Class Y
0.21%
0.21%
0.21%
0.21%
 
See (1) Below
NVIT Small Cap Index Fund
Class II
Class Y
 
 
0.28%
0.28%
 
 
See (1) Below
NVIT Mid Cap Index Fund
Class I
Class II
Class Y
0.30%
0.30%
0.30%
 
See (1) Below
NVIT International Index Fund
Class I
Class II
Class VIII
Class Y
 
 
0.34%
0.34%
0.34%
0.34%
 
 
See (1) Below
NVIT Bond Index Fund
Class I
Class II
Class Y
 
 
0.29%
0.29%
0.29%
 
 
See (1) Below
NVIT Fidelity Institutional AM® Emerging Markets Fund (formerly, NVIT Emerging Markets Fund)
Class I
Class II
Class D
Class Y
 
 
0.97%
0.97%
0.97%
0.97%
See (2) Below
NVIT Jacobs Levy Large Cap Growth Fund
Class I
Class II
 
0.45%
0.45%
 
See (2) Below

Name of Fund
  
Expense Limitation
 for Fund
Expenses Excluded for Purposes of “Fund Operating Expenses” in Section 1.1
NVIT Allspring Discovery Fund
Class I
Class II
 
0.78%
0.78%
 
See (2) Below
NVIT NS Partners International Focused Growth Fund
Class I
Class II
 
0.88%
0.88%
See (2) Below
NVIT Loomis Short Term High Yield Fund (formerly, NVIT Federated High Income Bond Fund)
Class I
 
0.72%
 
See (2) Below
 
 
NVIT GQG US Quality Equity Fund (formerly, NVIT Calvert Equity Fund)
Class I
Class II
Class Y
 
0.78%
0.78%
0.78%
See (2) Below
NVIT Blueprint Conservative Fund
Class I
Class II
Class Y
 
0.25%
0.25%
0.25%
See (2) Below
NVIT Blueprint Moderately Conservative Fund
Class I
Class II
Class Y
 
0.25%
0.25%
0.25%
See (2) Below
NVIT Blueprint Balanced Fund
Class I
Class II
Class Y
 
0.25%
0.25%
0.25%
See (2) Below
NVIT Blueprint Moderate Fund
Class I
Class II
Class Y
 
0.25%
0.25%
0.25%
See (2) Below
NVIT Blueprint Capital Appreciation Fund
Class I
Class II
Class Y
 
0.25%
0.25%
0.25%
 
See (2) Below
NVIT Blueprint Moderately Aggressive Fund
Class I
Class II
Class Y
0.25%
0.25%
0.25%
 
See (2) Below
NVIT Blueprint Aggressive Fund
Class I
Class II
Class Y
 
0.28%
0.28%
0.28%
See (2) Below

Name of Fund
  
Expense Limitation
 for Fund
Expenses Excluded for Purposes of “Fund Operating Expenses” in Section 1.1
NVIT Victory Mid Cap Value Fund
Class I
Class II
 
0.73%
0.73%
See (2) Below
NVIT BNY Mellon Dynamic U.S. Core Fund
Class I
Class II
Class Y
Class P
 
0.65%
0.90%
0.50%
0.75%
None
NVIT BNY Mellon Dynamic U.S. Equity Income Fund
Class I
Class II
Class X
Class Y
Class Z
0.76%
0.93%
0.63%
0.51%
0.88%
 
None
NVIT Putnam International Value Fund (formerly, NVIT Columbia Overseas Value Fund)
Class I
Class II
Class X
Class Y
Class Z
0.78%
0.78%
0.78%
0.78%
0.78%
 
See (2) Below
NVIT Investor Destinations Capital Appreciation Fund
Class II
Class P
Class Z
 
0.28%
0.28%
0.28%
See (2) Below
NVIT Investor Destinations Balanced Fund
Class II
Class P
 
0.28%
0.28%
See (2) Below
NVIT Strategic Income Fund (formerly, NVIT Amundi Multi Sector Bond Fund)
Class I
 
0.78%
 
See (2) Below
NVIT Invesco Small Cap Growth Fund
Class I
Class II
 
0.94%
0.94%
See (2) Below
NVIT Blueprint Managed Growth Fund
Class I
Class II
 
0.07%
0.07%
See (2) Below
NVIT Blueprint Managed Growth & Income Fund
Class I
Class II
 
0.10%
0.10%
See (2) Below
NVIT Investor Destinations Managed Growth Fund
Class I
Class II
0.16%
0.16%
See (2) Below

Name of Fund
  
Expense Limitation
 for Fund
Expenses Excluded for Purposes of “Fund Operating Expenses” in Section 1.1
NVIT Investor Destinations Managed Growth & Income Fund
Class I
Class II
0.15%
0.15%
See (2) Below
NVIT Managed American Funds Asset Allocation Fund
Class II
Class Z
0.23%
0.23%
See (2) Below
NVIT Managed American Funds Growth-Income Fund
Class II
0.22%
See (2) Below
NVIT BlackRock Equity Dividend Fund
Class I
Class II
Class IV
Class Y
0.65%
0.65%
0.65%
0.65%
 
See (2) Below
NVIT DoubleLine Total Return Tactical Fund
Class I
Class II
Class Y
 
0.58%
0.58%
0.58%
See (2) Below
NVIT iShares® Fixed Income ETF Fund
Class II
Class Y
 
0.17%
0.17%
See (2) Below
NVIT iShares® Global Equity ETF Fund
Class II
Class Y
 
0.17%
0.17%
See (2) Below
NVIT J.P. Morgan U.S. Equity Fund
Class II
Class Y
 
0.44%
0.44%
See (2) Below
NVIT Multi-Manager Small Cap Value Fund
Class I
Class II
Class IV
 
0.91%
0.91%
0.91%
See (2) Below
NVIT J.P. Morgan Digital Evolution Strategy Fund
Class Y
Class II
0.56%
0.56%
See (2) Below
       
NVIT J.P. Morgan Innovators Fund
Class Y
0.62%
See (2) Below
       
NVIT J.P. Morgan Large Cap Growth Fund
Class I
0.44%
  
 
Class II
0.44%
  
 
Class Y
0.44%
See (2) Below
       
NVIT J.P. Morgan US Technology Leaders Fund
Class II
0.56%
  
 
Class Y
0.56%
See (2) Below

NVIT International Equity Fund
Class I
Class II
Class Y
 
0.73%
0.73%
0.73%
See (2) Below
 
NVIT J.P. Morgan Inflation Managed Fund
 
Class I
Class II
 
0.25%
0.25%
 
See (2) Below
 
NVIT Government Bond Fund
Class I
Class II
Class IV
Class P
Class Y
0.54%
0.54%
0.54%
0.54%
0.54%
 
See (2) Below
 
NVIT Fidelity Institutional AM® Worldwide
Fund
Class I
Class II
 
0.55%
0.55%
See (2) Below
 
NVIT NASDAQ-100 Index Fund
Class I
Class II
 
0.22%
0.22%
See (2) Below
 

(1)
Interest, taxes, brokerage commissions, Rule 12b-1 fees, fees paid pursuant to an Administrative Services Plan, short sale dividend expenses, and other expenditures which are capitalized in accordance with generally accepted accounting principles and other extraordinary1 expenses not incurred in the ordinary course of the Fund's business.

(2)
Interest, taxes, brokerage commissions and other costs incurred in connection with the purchase and sale of portfolio securities, acquired fund fees and expenses, Rule 12b-1 fees, fees paid pursuant to an Administrative Services Plan, short sale dividend expenses, other expenditures which are capitalized in accordance with generally accepted accounting principles, expenses incurred by the Fund in connection with any merger or reorganization and other non-routine expenses not incurred in the ordinary course of the Fund’s business.

1 non-routine
*
As approved at the Board of Trustees Meeting held on June 9-10, 2025.

†
Effective through April 30, 2027.
IN WITNESS WHEREOF, the parties have caused this Amended Exhibit A to be signed by their respective officers thereunto duly authorized and their respective corporate seals to be hereunto affixed, as of the day and year first above written.

 
NATIONWIDE VARIABLE INSURANCE TRUST
       
 
By:
/s/ Kevin Jestice
  
 
Name:
Kevin T. Jestice
 
Title:
President
       
       
 
NATIONWIDE FUND ADVISORS
       
 
By:
/s/ Kevin Jestice
  
 
Name:
Kevin T. Jestice
 
Title:
President