OPPENHEIMER TOTAL RETURN FUND INC
485APOS, EX-99, 2000-12-11
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                      OPPENHEIMER TOTAL RETURN FUND, INC.
                   Class N Share Certificate (8-1/2" x 11")


I.    FRONT OF CERTIFICATE (All text and other matter lies within 8-1/4"
      --------------------
x 10-3/4" decorative border, 5/16" wide)

(upper left corner, box with heading: NUMBER [of shares])
                            (upper  right  corner)  [share   certificate   no.]
XX-000000
                              (upper right box, CLASS N SHARES below cert. no.)
                                 (centered below boxes)

                        OPPENHEIMER TOTAL RETURN FUND, INC.
                             A MARYLAND CORPORATION

(at left)  THIS IS TO CERTIFY THAT              (at right) SEE REVERSE FOR
                                                      CERTAIN DEFINITIONS
                                                (box with number) CUSIP

(at left)  is the owner of

            (centered) FULLY PAID CLASS N SHARES OF BENEFICIAL INTEREST

                        OPPENHEIMER TOTAL RETURN FUND, INC.

      (hereinafter  called the  "Fund"),  transferable  only on the books of the
      Fund by the holder hereof in person or by duly authorized  attorney,  upon
      surrender of this certificate properly endorsed.  This certificate and the
      shares  represented  hereby are issued and shall be held subject to all of
      the  provisions  of the  Articles of  Incorporation  of the Fund to all of
      which the holder by acceptance  hereof  assents.  This  certificate is not
      valid until countersigned by the Transfer Agent.

      WITNESS  the  facsimile  seal of the Fund and the  signatures  of its duly
      authorized officers.

(at left of seal)                               Dated:      (at right of seal)

(signature)                                     (signature)

/s/  Brian W. Wixted                                  /s/ Bridget A. Macaskill
-----------------------                         -------------------
TREASURER                                       PRESIDENT



<PAGE>


                             (centered at bottom)
                         1-1/2" diameter facsimile seal
                                   with legend

                      OPPENHEIMER TOTAL RETURN FUND, INC.
                                      SEAL
                                      1979
                                STATE OF MARYLAND


(at lower right, printed vertically)            Countersigned
                                    OPPENHEIMERFUNDS SERVICES
                                    [A DIVISION OF OPPENHEIMERFUNDS, INC.]
                                    Denver (CO.) Transfer Agent

                                    By ____________________________
                                          Authorized Signature


II.   BACK OF CERTIFICATE (text reads from top to bottom of 11" dimension)
      -------------------

      The following  abbreviations,  when used in the inscription on the face of
this  certificate,  shall be  construed  as though they were written out in full
according to applicable laws or regulations.

TEN COM - as tenants in common TEN ENT - as tenants by the  entirety JT TEN WROS
NOT TC - as joint tenants with
                        rights of survivorship and not
                        as tenants in common

UNIF GIFT/TRANSFER MIN ACT - __________________  Custodian _______________
                                    (Cust)                        (Minor)
UNDER UGMA/UTMA ___________________
                        (State)


Additional abbreviations may also be used though not on above list.

For Value Received  ................  hereby sell(s),  assign(s) and transfer(s)
unto

PLEASE INSERT SOCIAL SECURITY OR
OTHER IDENTIFYING NUMBER OF ASSIGNEE
AND PROVIDE CERTIFICATION BY TRANSFEREE
(box for identifying number)





<PAGE>


(Please print or type name and address of assignee)

________________________________________________Class  N  Shares  of  beneficial
interest  represented  by the  within  certificate,  and do  hereby  irrevocably
constitute and appoint ___________________________ Attorney to transfer the said
shares on the books of the within named Fund with full power of  substitution in
the premises.

Dated: ______________________

                              Signed: __________________________

                                    -----------------------------------
                                    (Both must sign if joint owners)

                                    Signature(s)      __________________________
                                    guaranteed    Name    of    Guarantor    by:
                                    -----------------------------
                                                Signature of
                                                Officer/Title


(text printed             NOTICE:  The  signature(s)  to  this  assignment  must
correspond
vertically to right       with  the  name(s)  as  written  upon  the face of the
certificate
of above paragraph)        in every particular without alteration or enlargement
                       or any change whatever.

(text printed in              Signatures must be guaranteed by a financial
box to left of                institution of the type described in the current
signature(s))                 prospectus of the Fund.

PLEASE NOTE: This document contains a watermark  OppenheimerFunds when viewed at
an angle. It is invalid without this "four hands" watermark: logotype




                   THIS SPACE MUST NOT BE COVERED IN ANY WAY






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