GS GQG Partners International Opportunities Fund

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The expense ratios of the Fund, both current (net of any fee waivers or expense limitations) and before waivers (gross of any fee waivers or expense limitations) are as set forth below. Pursuant to a contractual arrangement, the Fund’s waivers and/or expense limitations will remain in place at least through the dates found below and prior to such date the Investment Adviser may not terminate the arrangements without the approval of the Fund’s Board of Trustees.

• July 28, 2024: Bond, Core Fixed Income, Dynamic Municipal Income, Emerging Markets Debt, Enhanced Income, Global Core Fixed Income, Government Income, High Yield, High Yield Municipal, Income, Inflation Protected Securities, Investment Grade Credit, Local Emerging Markets Debt, Short Duration Government, Short Duration Income, Short Duration Tax-Free, Short-Term Conservative Income, Strategic Income and U.S. Mortgages

• December 29, 2024: Large Cap Core, Concentrated Growth, Enhanced Dividend Global Equity Portfolio, Equity Income, Flexible Cap, Focused Value, Global Managed Beta, Mid Cap Growth, Large Cap Value, Mid Cap Value, Small Cap Growth, Small Cap Value, Small/Mid Cap Growth, Small/Mid Cap Value, Strategic Factor Allocation, Strategic Growth, Strategic Volatility Premium, Tactical Tilt Overlay, Tax-Advantaged Global Equity Portfolio, Technology Opportunities and US Equity ESG

• February 28, 2025: China Equity, Emerging Markets Equity, Emerging Markets Equity ex. China, Emerging Markets Equity Insights, ESG Emerging Markets Equity, GQG Partners International Opportunities, Income Builder, International Equity ESG, International Equity Income, International Equity Insights, International Small Cap Insights, Large Cap Growth Insights, Large Cap Value Insights, Multi-Manager Alternatives, Multi-Manager Global Equity, Multi-Manager Non-Core Fixed Income, Multi-Manager Real Assets Strategy, Rising Dividend Growth, Small Cap Equity Insights, Small Cap Growth Insights, Small Cap Value Insights and U.S. Equity Insights

• March 28, 2025: Clean Energy Income and Energy Infrastructure

• July 28, 2025: Short Duration High Yield

• April 29, 2025: Absolute Return Tracker, Balanced Strategy Portfolio, Commodity Strategy, Dynamic Global Equity, Global Infrastructure, Global Real Estate Securities, Growth and Income Strategy Portfolio, Growth Strategy Portfolio, International Equity Dividend and Premium, International Tax-Managed Equity, Managed Futures Strategy, Real Estate Securities, U.S. Equity Dividend and Premium and U.S. Tax-Managed Equity

High Yield Floating Rate and MLP Energy Infrastructure: The expense ratios of the Fund, both current (net of applicable fee waivers and/or expense limitations) and before waivers (gross of applicable fee waivers and/or expense limitations), are as set forth below according to the most recent publicly available Prospectus.

Variable Insurance Trust

• April 29, 2025: Variable Insurance Trust Core Fixed Income, Variable Insurance Trust Large Cap Value, Variable Insurance Trust Mid Cap Value, Variable Insurance Trust Mid Cap Growth, Variable Insurance Trust International Equity Insights, Variable Insurance Trust Government Money Market, Variable Insurance Trust Multi-Strategy Alternatives Portfolio, Variable Insurance Trust Strategic Growth, Variable Insurance Trust Small Cap Equity Insights, Variable Insurance Trust U.S. Equity Insights, Variable Insurance Trust Global Trends Allocation, Variable Insurance Trust S&P 500 Buffered – Jan/Jul, Variable Insurance Trust S&P 500 Buffered – Mar/Sep and Variable Insurance Trust S&P 500 Buffered – May/Nov

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