0001398344-12-001512 Sample Contracts

INVESTMENT SUB-ADVISORY AGREEMENT
Investment Sub-Advisory Agreement • April 30th, 2012 • Wilshire Variable Insurance Trust • Delaware

This Investment Sub-Advisory Agreement (“Agreement”) is made as of the 1st day of September, 2011 (the “Effective Date”) by and between Wilshire Associates Incorporated, a California corporation (“Adviser”), and Cornerstone Capital Management, Inc., a registered investment adviser (“Sub-Adviser”).

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CUSTODY AGREEMENT
Custody Agreement • April 30th, 2012 • Wilshire Variable Insurance Trust • Illinois

AGREEMENT dated as of ____________________, 2011, between WILSHIRE VARIABLE INSURANCE TRUST, a statutory trust organized under the laws of the State of Delaware, having its principal office and place of business at 1299 Ocean Avenue, Suite 700, Santa Monica, California 90401-1085 (the "Fund"), and THE NORTHERN TRUST COMPANY (the "Custodian"), an Illinois company with its principal place of business at 50 South LaSalle Street, Chicago, Illinois 60603.

FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • April 30th, 2012 • Wilshire Variable Insurance Trust • Delaware

This agreement is made this 1st day of May 2012 by and among WILSHIRE VARIABLE INSURANCE TRUST, a Delaware statutory trust (the “Trust”), on its own behalf and on behalf of each of the series of portfolios set forth on Schedule A (each a “Fund” and collectively, the “Funds”), SEI INVESTMENTS DISTRIBUTION CO., a Pennsylvania corporation (“Distributor”), and JEFFERSON NATIONAL LIFE INSURANCE COMPANY, a life insurance company organized under the laws of the state of Texas (“Company”), on its own behalf and on behalf of each separate account of the Company set forth on Schedule B, as may be amended from time to time (each an “Account” and collectively the “Accounts”).

AMENDMENT TO INVESTMENT SUB-ADVISORY AGREEMENT
Investment Sub-Advisory Agreement • April 30th, 2012 • Wilshire Variable Insurance Trust

This Amendment to Investment Sub-Advisory Agreement dated as of September 1, 2011 (the “Effective Date”), amends the Investment Sub-Advisory Agreement dated March 9, 2009 (the “Agreement”) by and between Wilshire Associates Incorporated (the “Adviser”) and ClearBridge Advisors, LLC (the “Sub-Adviser”) with respect to the Wilshire Variable Insurance Trust Funds (the “Fund”). Capitalized terms not otherwise defined herein shall have the meanings set forth in the Agreement.

AMENDMENT TO INVESTMENT ADVISORY AGREEMENT
Investment Advisory Agreement • April 30th, 2012 • Wilshire Variable Insurance Trust

This Amendment to the Investment Advisory Agreement dated as of December 31, 2011 (the “Effective Date”), amends the Investment Advisory Agreement dated March 1, 1999, as amended September 30, 2007 (the “Agreement”) by and between Wilshire Associates Incorporated (the “Adviser”) and Wilshire Variable Insurance Trust (the “Trust”).

EXPENSE LIMITATION AGREEMENT
Expense Limitation Agreement • April 30th, 2012 • 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”).

INVESTMENT SUB-ADVISORY AGREEMENT
Investment Sub-Advisory Agreement • April 30th, 2012 • Wilshire Variable Insurance Trust • Delaware

This Investment Sub-Advisory Agreement (“Agreement”) is made as of the 1st day of September, 2011 (the “Effective Date”) by and between Wilshire Associates Incorporated, a California corporation (“Adviser”), and Los Angeles Capital Management and Equity Research, Inc., a registered investment adviser (“Sub-Adviser”).

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