Trust Company
                                                                                                           Agency Agreement
                                                                                                       for OppenheimerFunds

From:                  (Name and address of Trust Company)




To:       OppenheimerFunds Distributor, Inc.
         P.O. Box 5770
Denver, CO  80217

Gentlemen:

         We desire to enter into an agreement with you for making available to our customers and reselling to you shares
of each of the open-end and closed-end "interval" investment companies, unit investment trusts and municipal fund
securities of which you are, or may become, the Distributor or Sub-Distributor (hereinafter collectively referred to as
the "Funds" and individually as a "Fund") and whose shares are offered to the public at an offering price which may or
may not include a sales charge (hereinafter referred to as "Shares").  With respect to the OppenheimerFunds Legacy
Program, which invests in certain of the Funds through investment pools, reference is made to Paragraph 18 below.  Upon
acceptance of this Agreement by you, we understand that we may offer shares and act as authorized agent for our
customers' purchase of Shares from you, subject, however, to all of the following terms and conditions, and to your
right, without notice, to suspend or terminate the sale of the Shares of any one or more of the Funds:

         1.  Shares will be made available at the current offering price in effect at the time the order of such Shares is
confirmed and accepted by you at your office in Denver, Colorado.  All purchase orders, resale orders and applications of
our customers submitted by us are subject to acceptance or rejection in your sole discretion and, if accepted, each
purchase will be deemed to have been consummated at your office in Denver, Colorado.

         2.  We represent and warrant to you that we are either (a) a registered broker and/or dealer under the Securities
Exchange Act of 1934, as amended and are licensed and qualified as a broker and /or dealer or are otherwise authorized to
offer and sell Shares of the Funds under the laws of each jurisdiction in which the shares will be offered or sold by us,
or (b) we are a "bank" as defined in section 3(a)(6) of the Securities Exchange Act of 1934, as amended.  In either case,
we agree to abide by the provisions of the Investment Company Act of 1940, as amended (the "1940 Act"), the Securities
Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, and all applicable rules and regulations of
the Securities and Exchange Commission ("SEC") and the NASD, including without limitation, the NASD Rules of Conduct,
whether or not we are a broker/dealer subject to the jurisdiction of the SEC and the NASD.  We further agree to comply
with all applicable state and Federal laws and the rules and regulations of authorized regulatory agencies.  We agree
that we will not offer Shares in any state or other jurisdiction where they have not been qualified for sale or if you
have not advised us in advance that such sale is exempt from such qualification requirements.  We are responsible under
this Agreement for inquiring of you as to the jurisdictions in which Shares have been qualified for sale.

         3.  We will make available to our customers Shares of any Fund only in accordance with the terms and conditions
of its then-current Prospectus and Statement of Additional Information (collectively referred to as the "Prospectus") and
we will make no representations about such Shares not included in said Prospectus or in any authorized supplemental
material supplied or authorized by you.  We will not use any other offering materials for the Funds without your written
consent.  We will use reasonable efforts in the offer of Shares and agree to be responsible for the proper instruction
and training of all personnel in this area employed by us, in order that the Shares will be offered in accordance with
the terms and conditions of this Agreement and all applicable laws, rules and regulations.  We agree to hold you harmless
and indemnify you, the Funds, your affiliates, and each of their respective officers, directors, trustees and employees
in the event that we, or any of our current or former employees or agents should violate any law, rule or regulation, or
any provisions of this Agreement, which violation may result in any loss or liability to you, your affiliates or any
Fund.  If you determine to refund any amounts paid by an investor by reason of any such violation, we shall promptly
return to you on demand any agency fee previously paid by you to us, if applicable,  with respect to the transaction for
which the refund is made.  Furthermore, we agree to indemnify you, your affiliates and the Funds against any and all
claims, demands, controversies, actions, losses, damages, liabilities, expenses, arbitrations, complaints or
investigations, including without limitation, reasonable attorneys' fees and court costs that are the result of or arise
directly or indirectly, in whole or in part, from you, your affiliates or the Funds acting upon instructions for the
purchase, exchange or resale of uncertificated book shares received through your manual or automated phone system or the
Fund/SERV program of National Securities Clearing Corporation; provided such loss, liability or damages are not the
result of the gross negligence, recklessness or intentional misconduct of you, your affiliates or the Funds.  All
expenses which we incur in connection with our activities under this Agreement shall be borne by us.  In connection with
all purchase or resale orders, we are acting as agent for our customer and each transaction is for the account of our
customer and not for our own account.  Termination or cancellation of this Agreement shall not relieve us from the
requirements of this paragraph as to transactions or occurrences arising prior to such termination.

         4. Payments for purchases of Shares made by telephone or wire order  (including  purchase orders received  through
your manual or automated phone system, or via the Fund/SERV program of National Securities Clearing  Corporation),  and all
necessary  account  information  required by you to establish an account or to settle a resale  order,  including,  without
limitation,  the tax identification number of the purchaser,  certified either by the purchaser or by us, shall be provided
to you and received by you within three  business  days after your  acceptance  of our order or such shorter time as may be
required by law. If such payment or other  settlement  information  are not timely  received by you, we understand that you
reserve the right,  without  notice,  to cancel the purchase or resale order,  or, at your option in the case of a purchase
order,  to sell the Shares  ordered by us back to the Fund,  and in either  case we may be held  responsible  for any loss,
including loss of profit,  suffered by you or any Fund  resulting from our failure to make the aforesaid  timely payment or
settlement.  If sales of any Fund's Shares are  contingent  upon the Fund's  receipt of Federal Funds in payment  therefor,
we will forward  promptly to you any purchase  orders and/or  payments  received by us for such Shares from our  customers.
With  respect to purchase  orders of  uncertificated  book shares  placed via  Fund/SERV,  we shall retain in our files all
applications  and other  documents  required by you to  establish an account or to settle a resale  order.  We will provide
you with the original of such documents at your request.

         5. We agree that we will act as agent with respect to Shares only if they are  purchased  from you or  repurchased
by you from our  customers.  If Shares are purchased  from you by our  customers,  we warrant that such  purchases are only
for  investment.  If Shares are purchased by us from our customers for resale to you, we agree that such  customers will be
paid not less than the applicable  redemption or repurchase  price then quoted by the Fund minus any applicable  contingent
deferred sales charge.

         6. You may  consider  any order we place for Fund shares to be the total  holding of Shares by the  investor,  and
you may assume that the  investor is not entitled to any  reduction  in sales price  beyond that  accorded to the amount of
that  purchase  order as  determined  by the  schedule  set forth in the  then-current  Prospectus,  unless  we advise  you
otherwise when we place the order.

         7. We may place resale orders with you for Shares owned by our  customers,  but only in accordance  with the terms
of the  applicable  Fund  Prospectus.  We understand and agree that by placing a resale order with you by wire or telephone
(including  resale  orders for  uncertificated  book shares  placed via your manual or  automated  phone  system or via the
Fund/SERV program of National  Securities Clearing  Corporation),  we represent to you that a request for the redemption of
the shares covered by the resale order has been delivered to us by the  registered  owner(s) of such shares,  and that such
request has been executed in the manner and with the  signature(s)  of such registered  owner(s)  guaranteed as required by
the  then-current  Prospectus of the  applicable  Fund.  Such resale  orders shall be subject to the  following  additional
conditions:

         (a) We shall furnish you with the exact  registration,  account  number and Class of Shares to be redeemed
         at  the  time  we  place  a  resale  order  by  wire  or  telephone.  Other  than  for  resale  orders  of
         uncertificated  book shares placed via  Fund/SERV,  we shall tender to you,  within three business days of
         our placing such resale  order:  (i) a stock power or letter,  duly signed by the  registered  owner(s) of
         the Shares which are the subject of the order, duly guaranteed,  (ii) any Share certificates  required for
         such  redemption,  and (iii) any additional  documents which may be required by the applicable Fund or its
         transfer  agent, in accordance  with the terms of the  then-current  Prospectus of the applicable Fund and
         the policies of the transfer  agent.  With respect to resale orders of  uncertificated  book shares placed
         via  Fund/SERV,  we shall retain in our files all  documents  required by you to effect such  transaction.
         We will provide you with the original of such documents at your request.

         (b) The  resale  price  will be the next net asset  value  per share of the  Shares  computed  after  your
         receipt,  prior to the close of the New York Stock Exchange  ("NYSE"),  of an order placed by us to resell
         such Shares,  except that orders  placed by us after the close of the NYSE on a business day will be based
         on the Fund's net asset value per share  determined  that day, but only if such orders were received by us
         from our  customer  prior to the close of business of the NYSE that day and if we placed our resale  order
         with you prior to your normal close of business that day.

         (c) In  connection  with a resale  order  we have  placed,  if we fail to make  delivery  of all  required
         certificates  and documents in a timely  manner,  as stated above (other than for resale orders placed via
         Fund/SERV),  or if the  registered  owner of the Shares  subject to the resale  order  redeems such Shares
         prior  to our  settlement  of  the  order,  you  have  the  right  to  cancel  our  resale  order.  If any
         cancellation  of a resale order or if any error in the timing of the  acceptance  of a resale order placed
         by us shall result in a loss to you or the  applicable  Fund,  we shall  promptly  reimburse  you for such
         loss.

         8. If any  Shares  sold to our  customers  under  the terms of this  Agreement  are  redeemed  by any of the Funds
(including  without  limitation  redemptions  resulting from an exchange for Shares of another Fund) or are  repurchased by
you as agent for the Fund or are tendered to a Fund for redemption  within seven business days after your  confirmation  to
our customers of our original  purchase  order for such Shares,  we shall  promptly repay you the full amount of the agency
commission,  if  applicable,  (including any  supplemental  commission)  allowed to us on the original  sale,  provided you
notify us of such  repurchase or redemption.  Termination,  amendment or  cancellation  of this Agreement shall not relieve
us from the requirements of this paragraph.

         9. We will comply with,  and conform our practices to, any and all written  compliance  standards and policies and
procedures that you may from time to time provide to us.

         10.      We  acknowledge  that more than one  party  may be  authorized  to  request  purchases,  redemptions  and
exchanges  of shares in  accounts  with which we are  associated  and we hereby  agree that if  instructions  to  purchase,
redeem or transfer shares are submitted by multiple  parties  authorized to provide such  instructions on an account on the
same day or for the same  shares,  you are  authorized  to act on the  instructions  of either  authorized  party  received
without having to call either party to confirm or clarify the instructions.

         11.      The prospectus of each Fund currently provides that OFDI compensates  dealers,  brokers,  banks and other
financial  institutions  quarterly for providing  personal service and maintenance of accounts of their customers that hold
shares.  The services to be provided  include,  among others,  answering  customer  inquiries about the Fund,  assisting in
establishing  and  maintaining  accounts in the Fund,  making the Fund's  investment  plans  available and providing  other
services at the request of the Fund or OFDI. We  acknowledge  that your  obligations to us under this Agreement are subject
to the  provisions of any  agreements  entered into between you and the Funds and any plans adopted by the Funds under Rule
12b-1  under  the 1940  Act.  If we are paid a  service  fee by you or by any of the  Funds,  we agree to  provide,  at the
request of you or such Funds,  verifications  that such payments were used for personal  services and/or the maintenance of
personal  accounts,  related  to the  Shares  held  by our  customers.  We  understand  and  agree  that  you are in no way
responsible for the manner of our  performance of, or for any of our acts or omissions in connection  with, the services we
provide  under this  Agreement.  Nothing in this  Agreement  shall be  construed  to  constitute  us or any of our  agents,
employees  or  representatives  as  the  agent  or  employee  of you or any of  the  Funds.  Additionally,  if  there  is a
broker-dealer  of record on the Trust  Company  account,  it will be presumed  that the  broker-dealer  is providing  those
services and is eligible to receive  payment of the 12b-1  service  fee.  If,  however,  Trust  Company is providing  those
services to the  accounts and  acknowledges  that fact in writing to OFDI,  and if the  broker-dealer  of record  agrees in
writing to the payment of the 12b-1  service fee to Trust  Company,  OFDI shall pay Trust Company the service fee. If there
is no  broker-dealer  of record on the account and Trust  Company  certifies  in writing to OFDI that it is  providing  the
services  described above, OFDI shall pay the 12b-1 service fee to Trust Company.  The payment of the 12b-1 service fee may
be revised or eliminated altogether at any time at the discretion of the Fund's trustees or directors, as the case may be.






         12. We may terminate this Agreement by written notice to you, which  termination  shall become  effective ten days
after the date of mailing  such  notice to you.  We agree that you have and  reserve  the  right,  in your sole  discretion
without  notice to us, to suspend sales of Shares of any of the Funds,  at any time,  or to withdraw  entirely the offering
of Shares of any of the Funds,  at any time, or, in your sole  discretion,  to modify,  amend or cancel this Agreement upon
written notice to us of such modification,  amendment or cancellation,  which shall be effective on the date stated in such
notice.  Without  limiting the  foregoing,  you may terminate  this  Agreement if we violate any of the  provisions of this
Agreement,  said  termination to become  effective on the date you mail such notice to us. Without  limiting the foregoing,
and any provision  hereof to the contrary  notwithstanding,  the appointment of a trustee for all or  substantially  all of
our  business  assets,  or our  violation  of  applicable  state or Federal  laws or rules and  regulations  of  authorized
regulatory  agencies will  terminate  this  Agreement  effective  upon the date you mail notice to us of such  termination.
Your failure to terminate  this  Agreement for a particular  cause shall not constitute a waiver of your right to terminate
this Agreement at a later date for the same or any other cause.  All notices  hereunder shall be to the respective  parties
at the  addresses  listed  hereon,  unless such address is changed by written  notice sent to the last address of the other
party  provided  under  this  Agreement.  Any  consent  given  by us to  hyperlink  any web  site  under  your  control  to
oppenheimerfunds.com  is immediately  withdrawn upon termination of this Agreement.  In the event of any such  termination,
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you shall promptly eliminate or terminate any such links to, or frames of, oppenheimerfunds.com or any portion thereof.
                                                                           ---------------------

         13. This Agreement  shall become  effective as of the date when it is executed and dated by you below and shall be
in  substitution  of any prior  agreement  between you and us covering any of the Funds.  This Agreement and all the rights
and  obligations  of the  parties  hereunder  shall be governed  by and  construed  under the laws of the State of New York
applicable to  agreements to be performed in New York,  without  giving  effect to choice of law rules.  This  Agreement is
not  assignable or  transferable,  except that you may without notice or consent from us, assign or transfer this Agreement
to any successor firm or corporation  which becomes the Distributor or  Sub-Distributor  of the Funds or assign any of your
duties under this Agreement to any entity under common control with you.

         14. By signing this  Agreement,  we represent and warrant to you that this  Agreement has been duly  authorized by
us by all  necessary  action,  corporate  or  otherwise,  and is signed on our  behalf by our duly  authorized  officer  or
principal.

         15.  Set forth on  Appendix  A hereto  are the  Policies  and  Procedures  With  Respect  to Sales of  Multi-Class
Oppenheimer Funds.


         16. We  acknowledge  and agree  that  Appendix  B hereto  titled  "Policies  and  Procedures  With  Respect to the
OppenheimerFunds  Legacy Program" shall govern our participation in the  OppenheimerFunds  Legacy Program.  In the event of
any  inconsistency  between the  provisions of Appendix B and the  provisions  in this main  Agreement,  the  provisions of
Appendix B shall govern.




                                                     (Name and address of Trust Company)



By:
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(Name)
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(Title)
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Accepted:
                                                     OppenheimerFunds Distributor, Inc.
                                                     6803 South Tucson Way
                                                     Englewood, Colorado 80112


By:
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                                                     Title:____________________________________

Date:
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APPENDIX A

POLICIES AND PROCEDURES
WITH RESPECT TO SALES
OF MULTI-CLASS
OPPENHEIMER FUNDS

         The  Multi-Class  Oppenheimer  Funds offer one or more of the  following  classes of  shares--shares  subject to a
front-end  sales charge  ("Class A Shares"),  shares  subject to an  asset-based  sales  charge and a declining  contingent
deferred sales charge ("Class B Shares"),  and/or shares subject to an asset-based  sales charge and a 12-month  contingent
deferred sales charge  ("Class C Shares").  It is therefore  important for investors not only to choose a fund  appropriate
for their  investment  objectives,  but also to choose  the  appropriate  distribution  arrangement,  based on a variety of
factors  including  the  amount  invested  and the  expected  duration  of the  investment.  To assist  investors  in these
decisions, we are instituting the following policy.

         1.  Purchase  order(s)  by a  "single  purchaser"  in any one day for  $100,000  or  more  of  Class B  shares  of
Oppenheimer  Funds described in their  respective  prospectuses  as "Eligible  Funds" but less than the amount shown in the
next paragraph must be reviewed by [Trust  Company's  appropriate  supervisor],  who must approve the purchase order ticket
in light of the relevant facts and circumstances, including:

         (a)  the specific purchase order dollar amount;

         (b)  the length of the time the investor expects the investment will be held; and

         (c) any other relevant  circumstances,  such as the  availability of a reduced sales charge for purchasing
         Class A Shares under rights of accumulation or a letter of intent,  and anticipated  changes in the fund's
         per share net asset value.

         2.  Purchase  order(s)  by a "single  purchaser"  in any one day for either  $500,000 or more of Class B shares or
$1,000,000  or more of Class C shares of one or more  Oppenheimer  Funds  described  in their  respective  prospectuses  as
"Eligible Funds" will not be permitted.

         The  instances  in which  one  distribution  arrangement  may be more  appropriate  than  the  other  include  the
following.  Investors who would qualify for a reduced  front-end  sales charge on Class A Shares may determine that payment
of such a reduced  front-end sales charge is preferable to payment of a higher ongoing  asset-based sales charge in another
Class.  On the other hand,  investors  whose orders would not qualify for a Class A reduced  sales charge may wish to defer
the sales  charge and have their  entire  investment  applied to purchase  Class B or Class C Shares.  However,  if such an
investor  anticipates  redeeming  Class B Shares within a short period of time, such as within one year, that investor may,
depending on the amount purchased,  bear higher  distribution  expenses than if Class A Shares had been purchased  instead.
In  addition,  investors  who intend to hold their  shares  for a  significantly  long time may not wish to bear the higher
ongoing  asset-based  sales  charges of Class B or Class C Shares  irrespective  of the fact that the  contingent  deferred
sales  charge that would apply to a  redemption  of Class B shares is reduced over time and is  ultimately  eliminated,  or
that the  contingent  deferred  sales  charge that would apply to a  redemption  of Class C shares is  relatively  small in
duration and amount.

         If the Trust  Company  receives any investor  inquiries  about the purchase of shares of  Multi-Class  Oppenheimer
Funds,  the Trust Company must direct that  shareholder to contact either the  broker/dealer of record on a transaction who
can then advise the investor of the alternative  distribution  methods offered,  and the impact of choosing one method over
another or the Trust Company must advise the shareholder  that they may call the transfer agent for the  Oppenheimer  funds
to receive  information  about the various  classes of shares.  The Trust  Company  acknowledges  that the  transfer  agent
personnel cannot provide investment advice.

         3. Purchase  order(s) by a "single  purchaser" in any one day do not include  purchase  order(s) made on behalf of
retirement plan  participants  or other  beneficiaries  to the extent that none of the  participants  or  beneficiaries  is
allocated shares valued in excess of the above-stated limits.

         This policy is  effective  immediately  with  respect to any order for the  purchase of shares of all  Multi-Class
Oppenheimer Funds.  Questions  relating to this policy should be directed to Trust Company's  appropriate senior management
personnel,  who  may  obtain  further  information  from  OppenheimerFunds  Distributor,   Inc.'s  Services  Department  at
1-800-947-0716.






                                                                                                                 APPENDIX B

                                                                                                    POLICIES AND PROCEDURES
                                                                                                            WITH RESPECT TO
                                                                                            OPPENHEIMERFUNDS LEGACY PROGRAM

As determined  by  OppenheimerFunds,  Inc. (or an  affiliate)  and as approved by the Board of Directors of the Program (as
hereinafter  defined),  certain of the Funds and the Shares (each as defined in the  Agreement to which this  Appendix B is
an  addendum)  will be  available  for  purchase by the  OppenheimerFunds  Legacy  Program  (the  "Program"),  a tax-exempt
charitable  organization  under Section 501(c)(3) of the Internal Revenue Code of 1986.  Donations  ("Donations")  received
by the Program will be irrevocable and thereafter  invested by and on behalf of the Program in the Shares,  as approved and
directed  by the  Board  of  Directors  of  the  Program  based  on  recommendations  received  from  Program  donors  (the
"Participants"),  pending disbursement as grants to qualifying charitable organizations.  Donations will qualify as current
charitable gift deductions for Participants.  We are a registered  broker-dealer or authorized  financial  institution that
intends to make  customers  aware of the Program.  The Program is described in the current  Legacy  Program  Guidebook (the
"Guidebook"),  Legacy Program  Consumer  Brochure (the "Brochure") and Financial  Advisor Fact Sheet,  copies of which have
been  provided to us. Each  applicable  Fund's  prospectus as in effect from time to time (the  "Prospectus")  will be made
available.

In connection  with the  participation  in the Program by our customers,  which may result in distribution of Shares by the
Fund to the  Program,  we are  authorized  to provide  and have  agreed to provide  Program  participation  assistance  and
administrative services in support of Participant accounts, as described below, upon the following terms and conditions:

1.       Applications  for Program  participation  and the  handling  thereof will be subject to  instructions  provided by
         OppenheimerFunds  Distributor,  Inc. ("OFDI") from time to time. All applications are subject to acceptance by the
         Program at its offices.  The Program  reserves the right in its sole  discretion  to reject any  application.  The
         minimum Donation is set forth in the current Guidebook.

         We agree that we will not assist in the completion of any Program  application or forward it to the Program unless
         we previously  have  delivered or caused to be delivered to such proposed  Participant a copy of the Guidebook and
         the Brochure.

         With  respect  to any and all  Participants  in the  Program,  subject  to the  terms  of this  Appendix  B, it is
         understood  and agreed in each case that  unless  agreed to by OFDI in  writing:  (a) we will be acting  solely as
         agent for the Participant and not as agent for OFDI or the Program;  (b) the decision to participate  will be made
         solely by the  Participant;  (c)  instructions  which we may  provide to OFDI on behalf of a  Participant  will be
         solely as agent for the Participant;  and (d) we will refer to the Program all Participant  questions  relating to
         the operation of the Program, including, but not limited to, the Program's investment in Shares.

         We alone are  responsible for determining  whether  participation  in the Program is suitable for our customer and
         which investment allocation is appropriate.

         We shall not effect  any  transactions  in the  Program  or induce  any  action by a  Participant  by means of any
         manipulation,  deceptive or other  fraudulent  device or contrivance and shall otherwise deal equitably and fairly
         with our customers with respect to participation in the Program.

2.       For our services hereunder, we may be eligible to receive the following compensation from OFDI:

                  (a) Program  Participation  Assistance.  We may receive  compensation  for our efforts in assisting those
                      ----------------------------------
                  who wish to participate in the Program to do so  ("Participation  Assistance  Fees"). In consideration of
                  receipt of Participation  Assistance  Fees, we will make customers aware of the Program;  we will arrange
                  and hold  meetings  with  customers  concerning  the  Program;  we will assist  customers  in  completing
                  documentation  required to participate in the Program; we will obtain and transmit information  regarding
                  prospective  Participants  to the  Program;  we will  refer  to the  Program  questions  relating  to the
                  operation  of the  Program;  and  otherwise  act as  liaison  between  prospective  Participants  and the
                  Program.

                  (b) Service  Fee. We may also be paid an account  service fee (the  "Account  Service  Fee") with respect
                      ------------
                  to each Participant  account maintained by the Program,  subject to our compliance with the Agreement and
                  this Appendix B and to our providing  the services to and acting as liaison with  Participants  including
                  but not limited to (1) maintaining  regular contact with  Participants  and assisting in referring to the
                  Program  inquiries  concerning  the  Program,  including  the  performance  of  the  Participant  Account
                  investments;  (2)  assisting  OFDI and the Program in  effecting  and  maintaining  accurate  Participant
                  accounts and records;  (3) assisting  Participants  in effecting  administrative  changes such as account
                  addresses;  and (4) providing any other  information or services as the Participants or OFDI may request.
                  Any such  Account  Service Fee shall be subject to and in  accordance  with  applicable  laws,  rules and
                  regulations and applicable  guidelines and rules of the National Association of Securities Dealers,  Inc.
                  ("NASD Rules").

                  We acknowledge and agree that the  Participation  Assistance Fee and the Account Service Fee are the only
                  forms of  compensation  for  which we may be  eligible  for  participating  in the  Program.  We  further
                  acknowledge  and agree that the  Participation  Assistance Fee and the Account Service Fee are payable by
                  OFDI, not by the Program, from 12b-1 payments otherwise payable by the Funds to dealers,  brokers,  banks
                  and other financial  institutions  in respect of sales of Class C Shares of the Funds.  OFDI reserves the
                  right,  without  notice,  to increase,  decrease or terminate  any Program  Participation  Assistance  or
                  Account Service Fee.

3.       We shall be an independent  contractor and neither we nor any of your directors,  partners,  officers or employees
         as such,  is or shall be an  employee  of OFDI,  of the  Program or of the Fund.  We are  responsible  for our own
         conduct  and the  employment,  control and  conduct of our agents and  employees  and for injury to such agents or
         employees or to others through our agents or employees.

4.       We will be responsible for insuring our compliance with all laws and regulations  including those of the NASD, the
         Securities and Exchange Commission and any state regulatory body having jurisdiction over us or our customers.

5.       No person is authorized to make any  representations  concerning  (1) the Program,  except those  contained in the
         Guidebook,  the Brochure and in such printed  information  as may be issued by the Program for use as  information
         supplemental  to the  Guidebook;  or (2) the Shares,  except those  contained in the  Prospectus  and Statement of
         Additional  Information  relating thereto (the "SAI") and in such printed information as may be issued by OFDI for
         use as information  supplemental to the Prospectus.  In communications  regarding the Program to Participants,  we
         shall rely solely on the representations  contained in the aforementioned  materials. Any applicable registrations
         with  respect  to state  charitable  solicitation  laws and any  qualification  of Shares in the  various  states,
         including the filing of any state or further state  notices,  and any printed  information  which we furnish other
         than the Prospectus and SAI and periodic  reports are our sole  responsibility  to the extent required and not the
         responsibility  of the Program,  and we agree that the Program shall have no liability or  responsibility to us in
         these respects.

6.       As to  broker/dealers,  we represent that we are a member in good standing of the NASD and agree that  termination
         or suspension of such membership at any time shall terminate this Appendix B,  notwithstanding  anything set forth
         herein to the contrary,  and that if we are a foreign dealer (a) we are registered  under the Securities  Exchange
         Act of 1934 and (b) we will  conform  to the NASD  Rules.  We agree  that we will  immediately  advise  you of any
         termination or suspension of such membership or registration.

7.       We and agree that all  disputes  between us of whatever  subject  matter,  whether  existing on the date hereof or
         arising hereafter,  shall be submitted to arbitration in accordance with the Code of Arbitration  Procedure of the
         NASD, or similar rules or code, in effect at the time of the submission of any such dispute.

8.       The Program,  without notice,  may be suspended or terminated  entirely at any time without notice.  OFDI reserves
         the right to amend this Appendix B at any time and we agree that the submission of a Donor Contribution  Agreement
         after notice of any such amendment has been sent to us shall  demonstrate  conclusively  our agreement to any such
         amendment.

9.       Additional  copies of the Guidebook and Brochure,  any other Program  information and the Prospectus,  SAI and any
         printed  information  issued  supplementing  the Prospectus  will be supplied by us in reasonable  quantities upon
         request.

10.      We will  indemnify and hold  harmless  OFDI and each of its  directors  and officers and each person,  if any, who
         controls  OFDI  within the  meaning of Section 15 of the  Securities  Act of 1933 (the  "Act"),  against any loss,
         liability,  damages,  claim or expense  (including the reasonable cost of  investigating  or defending any alleged
         loss, liability, damages, claim or expense and reasonable counsel fees incurred in connection therewith),  arising
         by reason of any Participant's  participation in the Program, which may be based upon the Act or any other statute
         or common law, on account of any  wrongful  act by us or any of our  employees  (including  any failure to conform
         with any  requirement of any state or federal law or NASD Rules  relating to the offering of the Program),  unless
         any such act was made in reliance upon  information  furnished to us by or on behalf of OFDI,  provided,  however,
         that in no case (i) is the indemnity by us in favor of any person  indemnified to be deemed to protect OFDI or any
         such  person  against  any  liability  to which OFDI or any such person  would  otherwise  be subject by reason of
         willful misfeasance,  bad faith or gross negligence in the performance of its or his duties or by reason of its or
         his reckless  disregard of its or his  obligations  and duties under this  Agreement,  or (ii) are we to be liable
         under our  indemnity  agreement  contained  in this  paragraph  with respect to any claim made against OFDI or any
         person  indemnified  unless OFDI or such person,  as the case may be, shall have  notified us in writing  within a
         reasonable  time after the summons or other  first legal  process  giving  information  of the nature of the claim
         shall have been served upon OFDI or upon such person (or after OFDI or such person shall have  received  notice of
         such service on any  designated  agent),  but failure to notify us of any such claim shall not relieve us from any
         liability that we may have to OFDI or any person against whom such action is brought  otherwise than on account of
         our indemnity agreement contained in this paragraph.  We shall be entitled to participate,  at our own expense, in
         the defense, or, if we so elect, to assume the defense of any suit brought to enforce any such liability,  but, if
         we elect to assume the defense such defense shall be conducted by counsel chosen by us and  satisfactory  to OFDI,
         or to its officers or directors,  or to any  controlling  person or persons,  defendant or defendants in the suit.
         In the event  that we assume the  defense  of any such suit and retain  such  counsel,  OFDI or such  officers  or
         directors or controlling person or persons,  defendant or defendants in the suit, shall bear the fees and expenses
         of any additional counsel retained,  by them, but, in case we do not elect to assume the defense of any such suit,
         we shall reimburse OFDI and such officers,  directors or controlling person or persons, defendant or defendants in
         such suit,  for the  reasonable  fees and expenses of any counsel  retained by them.  We agree  promptly to notify
         OFDI of the commencement of any litigation or proceedings  against it in connection with the offer, issue and sale
         of any Shares.

         OFDI will  indemnify  and hold harmless you and each of your  directors and officers and each person,  if any, who
         controls you within the meaning of Section 15 of the Act against any loss,  liability,  damages,  claim or expense
         (including  the reasonable  cost of  investigating  or defending any alleged loss,  liability,  damages,  claim or
         expense and  reasonable  counsel fees incurred in connection  therewith),  arising by reason of any  Participant's
         participation  in the Program,  which may be based upon the Act or any other  statute or common law, on account of
         any wrongful act by OFDI or any of its employees  (including  any failure to conform with any  requirement  of any
         state or federal law or NASD Rules),  unless any such act was made in reliance upon information  furnished to OFDI
         by or on behalf of you,  provided,  however,  that in no case (i) is the  indemnity by OFDI in favor of any person
         indemnified  to be deemed to protect us or any such person  against any  liability  to which we or any such person
         would otherwise be subject by reason of willful  misfeasance,  bad faith or gross negligence in the performance of
         our or his duties or by reason of our or his reckless  disregard of its obligations and duties under this Appendix
         B, or (ii) is OFDI to be liable under its  indemnity  agreement  contained in this  paragraph  with respect to any
         claim made against us or any person  indemnified unless we or such person, as the case may be, shall have notified
         OFDI in writing within a reasonable time after the summons or other first legal process giving  information of the
         nature of the claim shall have been  served  upon us or upon such  person (or after we or such  person  shall have
         received notice of such service on any designated  agent),  but failure to notify OFDI of any such claim shall not
         relieve  OFDI from any  liability  which OFDI may have to us or any  person  against  whom such  action is brought
         otherwise  than on account of its  indemnity  agreement  contained  in this  paragraph.  OFDI shall be entitled to
         participate,  at its own expense,  in the defense,  or, if it so elects, to assume the defense of any suit brought
         to enforce any such  liability,  but, if it elects to assume the  defense,  such  defense  shall be  conducted  by
         counsel chosen by OFDI and  satisfactory to us, or to our officers or directors,  or to any controlling  person or
         persons,  defendant  or  defendants  in the suit.  In the event that OFDI assumes the defense of any such suit and
         retains such counsel,  we or such officers or directors or controlling person of persons,  defendant or defendants
         in the suit, shall bear the fees and expenses of any additional  counsel retained by it, but in case OFDI does not
         elect to assume the defense or any such suit, OFDI shall reimburse us and such officers,  directors or controlling
         person or persons,  defendant or  defendants  in such suit,  for the  reasonable  fees and expenses of any counsel
         retained by us or him. OFDI agrees  promptly to notify us of the  commencement  of any  litigation or  proceedings
         against it in connection with the offer, issue and sale of any Shares.

11.      This  Appendix B shall become  effective  as of the date it is mailed by you and  supersedes  any prior  agreement
         between us with respect to the sale of Shares of any of the Funds for the Program.