0001580642-26-002707 Sample Contracts

EXPENSE LIMITATION AGREEMENT MUTUAL FUND AND VARIABLE INSURANCE TRUST
Expense Limitation Agreement • April 28th, 2026 • Mutual Fund & Variable Insurance Trust

Rational Advisors, Inc. (the “Adviser”) and Mutual Fund and Variable Insurance Trust (the “Trust”), on behalf of the Rational Special Situations Income Fund (the “Fund”).

UNDERWRITING AGREEMENT
Underwriting Agreement • April 28th, 2026 • Mutual Fund & Variable Insurance Trust

THIS UNDERWRITING AGREEMENT effective the 1st day of July, 2025, by and between MUTUAL FUND AND VARIABLE INSURANCE TRUST, a Delaware statutory trust, having its principal office and place of business at 36 North New York Avenue, Huntington, New York 11743 (the “Trust”), and NORTHERN LIGHTS DISTRIBUTORS, LLC, a Nebraska limited liability company having its principal office and place of business at 4221 North 203rd Street, Suite 100, Elkhorn, Nebraska 68022 (“NLD”).