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OppenheimerFunds

Financial Aid EvaluatorWill my amily qualiy or fnancial aid?

When designing a college savings plan, you and your nancial

advisor will want to know whether nancial aid should be con-

sidered as a component o your plan. The OppenheimerFunds

Financial Aid Evaluatorcan serve as an estimate based on current

nancial aid rules. Because nancial aid eligibility requirements

and amily circumstances can change, the results o this testwhich should be conducted on an annual basisare not a

guarantee o uture nancial aid eligibility and should be used or

planning purposes only.

In order to complete the Financial Aid Evaluatoryou will needthe ollowing inormation:

Total amily incomerom all sources, both taxable and nontaxable. W-2income should include pretax contributions to retirement savings plansand caeteria plans, as the nancial aid system adds these back to income

Parent asset balancescash, checking, savings, stocks, bonds, mutual unds,home value minus mortgage balance, other real estate values minus mortgagebalances, business assets minus business liabilities, qualied tuition savingsplans, etc.

Parent retirement account valuesplus lie insurance cash values andannuity values. Although these assets are not usually included in nancialaid calculations, providing these gures separately will enable your nancialadvisor to ensure that they are not inadvertently included in the nonqualiedasset balances

Student asset balancescash, checking, savings, stocks, bonds, mutual unds.Also include any qualied tuition savings plans

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Instructions

Once you have collected the nancial inormation, enter the totals on the appropriate lines in Table 1and ollow these simple steps:

Total columns A, B, C and D

Answer the our questions in Table 2

Not FDIC Insured May Lose Value Not Bank Guaranteed

Table 1: Income and Assets Data Sheet

Parents Last Name:

Students First Name:

A B C D

Parents Adjusted Gross Income:

Parents Assets

Cash, checking , savings, money market accounts

Stocks, bonds, mutual funds, CDs

College savings vehicles (529 savings plans,

Coverdell Education Savings Accounts)Retirement accounts

Family home (net of mortgage)

Other real estate (net value)

Business value (assets minus liabilities) x 0.5

Trust funds

Students Assets

Cash, checking , savings, money market accounts

Stocks, bonds, mutual funds, CDs

College savings vehicles (529 savings plans, UGMA/

UTMA Accounts, Coverdell Education Savings Accounts)Retirement accounts

Real estate (net value)

Trust funds

Other assets

Totals

Parents Parents Non-counted StudentsIncome Assets Assets Assets

Table 2: Questions

1. Expected increase in income (choose one)Much greater than infation

Greater than infation

Equal to infation

Less than infation

2. Years until college (choose one)

More than 10

5 to 10

Less than 5

3. Expected increase in parents assetsInheritance (amount) $________________

Legal settlement (amount) $________________

Other (amount) $________________

4. Expected increase in students assets

Inheritance (amount) $________________

Legal settlement (amount) $________________

Other (amount) $________________

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Shares o Oppenheimer unds are not deposits or obligations o any bank, are not guaranteed by any bank, are not insured by the FDIC or any other agency,and involve investment risks, including the possible loss o the principal amount invested.

Beore investing in any o the Oppenheimer unds , investors should careully consider a unds investmentobjectives, risks, charges and expenses. Fund prospectuses contain this and other inormation about the unds,and may be obtained by asking your fnancial advisor, visiting our website at www.oppenheimerunds.comor calling us at 1.800.525.7048. Read prospectuses careully beore investing.

Oppenheimer funds are distributed by OppenheimerFunds Distributor, Inc.Two World Financial Center, 225 Liberty Street, New York, NY 10281-1008Copyright 2009 OppenheimerFunds Distributor, Inc. All ri ghts reserved.

CC0000.021.0309 April 1, 2009

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Important

This test estimates a amilys

ability to qualiy or need-based

nancial aid at some point in

the uture. It is not a guarantee

o nancial aid. The purpose

o this test is to determine

whether nancial aid may be

a consideration. I it is, you

and your nancial advisor may

want to consider using savings

vehicles that will be least detri-

mental to your ability to qualiy

or nancial aid. Furthermore, in

the process o designing a plan

that is accommodating nancial

aid, you will want to plan on

exit strategies in the event that

nancial aid becomes unlikely

at some point in the uture.

Table 4: Adjustment Factors

Increase in Income Years to College(From question 1) (From question 2)

>10 5 to 10