Provident fund payout after dismissal 3. The amount you can withdraw depends on how much is in your savings pot. Get answers to your biggest company questions on Indeed. For your provident fund payout, the timeline depends on the administrator’s efficiency and dedication. An award won by a dismissed employee for re-employment or reinstatement after an unfair or unlawful dismissal would generally have different effects on past retirement fund contributions. We must pay your benefit into a local South African or South African blocked rand account. Here’s how to calculate it: 1. Pay a portion of the benefit in cash and transfer the balance to Pension Fund, Provident Fund, Retirement Annuity Fund or a Nov 11, 2021 · Perhaps the best thing is to contact the administrator of the fund and ask them on what grounds they are withholding your provident fund since no dishonesty has been alleged in your dismissal. You should receive your provident fund payout within 21 days if your tax affairs are in order and all the required documents (such as a copy of your ID, a completed instruction form stating where the money should go, and proof of banking details) have been sent to the fund by your employer. 3. Oct 24, 2019 · Thank you for your email asking why your provident fund has not yet paid you out after you resigned in June. It does seem like a very long time to wait for your provident fund. Retirement fund members in eligible funds will be able to withdraw from the savings pot of their retirement fund after 1 September 2024 without leaving their job. Nov 27, 2019 · Thank you for your email asking if your employer can withhold your Provident fund if you have damaged something and have agreed to pay for the damage every week from your wages. 6. If you withdraw after NRD, you are retiring from the SUF: Sanlam Group. the Sanlam Plus Preservation Fund • Please complete the membership application form ☐ ☐ 3. The Commissioner rejected its first plea by order dated 19. Pension/Provident Fund Payout When you are dismissed, you are owed all monthly contributions made (by both employer and employee) plus any investment growth (or loss) on this money (the fund may have made a loss in the course of the investment). Your withdrawal may be denied in certain limited circumstances such as:. The employer instead of giving notice to the employee has the right to pay him his wages for the period of notice he is entitled to. Given the Fund is a provident fund, on retirement you may purchase an annuity or elect to take part or all of the benefit in cash (less any tax that is payable). Your benefit will be consolidated with the benefit in your new fund and you will only pay the ongoing administration fee in your new fund, i. Sep 4, 2023 · Re-employed or re-instated after a dismissal: Who is liable for the arrear retirement fund contributions. Unclaimed benefit funds. I would like to know how much I can expect to be payed out? Also, I signed the provident fund papers on the same day I was dismissed (31/10/2013) at the security company I worked for. Dr. I queried this and they gave me a hard time in giving me reasons and evidence for this loss. If the administrator is unhelpful or you are not satisfied with the fund’s answer, you could lay a complaint with the Pensions Adjudicator. 2012 and for a consequential direction to pay the provident fund amount. Alexforbes resources index. There are over 2. Jan 12, 2024 · For more information, contact your local provident fund office or review the regulations online at www. Scorpion offers a range of personal legal policies to suit your individual needs. From the payout that I was supposed to receive, over R130 000 in less than a month was lost from my funds which I invested over 15 years. The new system only affects benefits earned from 1 September 2024. Alexander Forbes Investments Namibia Limited Do You Get a Provident Fund if You Resign? Yes, you can withdraw your provident fund when you resign. 12. Apr 13, 2021 · However, from the 1 st of March 2021, provident fund members who are younger than 55 years of age will see any further contributions on or after 1 March, and the growth thereon, deemed as the ‘non-vested’ portion of their fund, the value of which will be subject to the 2/3 rds annuitisation rule upon retirement. May 23, 2024 · Pension Fund or Provident Fund: Upon resignation, you can choose to withdraw your contributions from the company’s pension or provident fund. Losing your job can be a challenging time, but knowing how to claim provident fund after dismissal in South Africa can provide some financial relief. 92 for 4 years. Sep 1, 2024 · Pension or provident fund pay-outs are typically accessible after resignation, retrenchment, retirement, dismissal, or as part of a divorce settlement. However, it’s important to note that early withdrawal could have tax implications, and it might be more beneficial to transfer these funds to a preservation fund or a retirement annuity. Feb 22, 2024 · Retirement fund lump sum benefits consist of lump sums from a pension, pension preservation, provident, provident preservation or retirement annuity fund on death, retirement, or termination of employment due to attaining the age of 55 years, sickness, accident, injury, incapacity, redundancy or termination of the employer’s trade. Resignation, Dismissal, Termination of contract or Absconded. The Provident Fund including contribution of employer is payable to a workman, who resigns or is dismissed from service. Order of deductions Generally, the order of preference for claims against a retirement fund is: Feb 5, 2020 · If no court case is opened within this time, the provident fund must pay the member his benefit. Special allocation from budget surplus Transferred-in amounts from contribution sub-account after employment termination or cessation of individual voluntary contribution into individual provident fund scheme If your new employer’s fund allows new members to transfer benefits from other funds into the fund, your benefit will be transferred tax-free to the new fund. g. Provident Fund Sep 3, 2024 · From 1 September 2024, members of pension funds, provident funds, pension preservation funds, provident preservation funds, and retirement annuity funds will be able to access a portion of their Sep 1, 2024 · Beneficiary funds that hold deceased members’ benefits to pay regular benefits typically to minor children; and. If you are a South African pensioner with a provident fund (PF) balance, your payout could be as high as R47,000. The withdrawal must be at least R2 000. ABC Provident Fund; o The capital amount of the maintenance order and whether the amount is a pre – or post tax amount. Members of funds who are already on a pension. For more than 15 years, I had my pension and provident funds equally split. The information below details how long withdrawals take at 10X - other providers usually have widely varying timelines. Only if the member signs an agreement that he or she is responsible for damages and agrees to pay the employer an agreed amount, can the fund deduct this amount from the member’s benefit and pay it over to the employer. Provided your tax affairs are in order, with 10X it normally takes 14 to 21 business days for provident fund pay-out if you have submitted all the required documents: - a copy of your ID - a completed instruction form stating where the money should go (The Fund’s month end refers to the process of the Fund administrator allocating the contributions and fund return to a member’s record for the month. All relevant fields on the Member Benefit Claim form must be accurately completed, signed by the member and employer and stamped by the employer with a company stamp. 10. 5% 15% Risk only member 2. Provided your tax affairs are in order, with 10X it normally takes 14 to 21 business days for provident fund pay-out if you have submitted all the required documents: - a copy of your ID - a completed instruction form stating where the money should go - and proof of banking details. the fee in your new fund will not be higher because of the amount 42 When and how does the employer pay this contribution to the Fund? 18 43 How much should be contributed to the Fund? 19 44 How does the Fund know from whom the contributions are being received? 20 45 Should employers who pay annually submit declarations? 20 46 What is the responsibility of an employer after the termination of the service of a Dec 26, 2024 · The Karnataka HC held, on perusal of explanation 1 to sec 405 it indicates when a person being employer deducts employees’ provident fund contribution from the salary of the employee payable to provident fund or pension fund, the employer shall be deemed to have been entrusted with the amount of contribution so deducted and if there is a A: When you are dismissed from employment, you are generally entitled to the payment of a withdrawal benefit as a cash lump sum, alternatively you may in writing elect to become a dormant member or transfer your fund credit to an approved pension or provident fund, approved pension or provident preservation fund or approved retirement annuity be payable during which the Provident Fund has remained in existence. Incentive basic funds (MOP 10,000) 2. 84 holding that provisions of Provident Fund Act were applicable to it. You may elect to take the benefit in cash or transfer the tax-free benefit either to an approved Provident Fund, Retirement Annuity and Preservation Provident Fund. vs. If an employee is not required to work a notice period, the employee should be paid for this period. Aug 28, 2021 · A Fin24 reader questions the effect the recently passed pension laws will have on his provident fund payout. Please keep the certificate in a safe place as you will be required to supply it to your new retirement fund within 4 months of joining the fund. 5% 7. Any document that will show which pension or provident fund the member belonged to, such as a wage or salary advice (pay slip) or a pension or provident fund benefit statement. The specific circumstances and consequences of being dismissed can vary depending on various factors, including the employment laws and regulations of the particular jurisdiction, the terms of the employment contract, and the reason for the dismissal. The two thirds of the final benefit will be paid as a pension, for as long as the pensioner is alive. So it’s not clear on what basis you have stopped contributing to the provident fund. Please select one of the payment options below: Pension Provident Fund Fund 1. Remember: Your rights as a member of the Fund are contained in the Fund Rules. FAQ Blog Calculators Students Logbook Contact LOGIN JOINING THE FUND SUMMARY OF CONTRIBUTION RATES Private Security Sector Provident Fund Employee Contributions Employer Contributions Total Active contributing members 7. Oct 13, 2021 · The fund was ordered to pay the complainant her withdrawal benefit. It does not matter whether you are resigning, or you are retrenched or dismissed, this money is yours, and you can cash it in or transfer it to another fund. From 1 September 2024, under the new two-pot system, your retirement savings will be divided into three components, each with different rules: The retirement component (mandatory preservation): This portion must be transferred to a preservation fund when you resign. the Sanlam Plus Pl Insurer separately 3. 5% Members on approved leave with pay 7. The first moot question is whether the respondents are at all workmen under the Ordinance of 1968 to qualify them to be entitled to the benefit of The benefit payable on retrenchment is identical to the benefit payable on dismissal or resignation. 2) How long does the process take? This process can take as little as 15 working days (after your last contribution is processed and the claim Aug 6, 2024 · The most important point to remember is that benefits earned up to 31 August 2024 do not form part of the new two-pot system. The Income Tax Act says that you can only withdraw from your provident fund if you resign, or are dismissed or retrenched. If you transfer it to another fund, no tax is due, but if you cash it in, it will be taxed per the withdrawal lump sum tax table. He then proceeded to conduct the inquiry under Section 7A and eventually passed order dated 18. When you are dismissed from employment, you are generally entitled to the payment of a withdrawal benefit as a cash lump sum, alternatively you may in writing elect to become a dormant member or transfer your fund credit to an approved pension or provident fund, approved pension or provident preservation fund or approved retirement annuity fund. Alexander Forbes Investments Global Fund. 14. Our affordable legal solutions give you unlimited access to expert advice through our 24-hour legal contact centre, paralegal assistance, access to tough lawyers, and legal representation in court. UIF Benefits: Resignation, Retrenchment, Dismissal Preserving your fund benefit when you leave the Company not only provides a huge tax benefit, but is also essential to ensure sufficient provision for your retirement. The schedule is received before or on the 15th reflecting your final fund contribution. Question: How long does it take for a person to receive their pension fund pay-out after dismissal or retrenchment? Answer: Provided your tax affairs are in order, and you have submitted all the required documents (such as a copy of your ID, a completed instruction form stating where the money should go, and proof of banking details), it normally takes 14 to 21 business days for the funds to Dismissal Fund credit Funeral Benefits Member R30 000 Spouse R30 000 Child 14 – 21 R30 000 of a Pension/Provident fund shall pay the following to the Fund: 1 Unlawful deductions when employees are dismissed Expectations versus reality regarding monies that can be deducted after the dismissal of an employee. When a member is retrenched, dismissed or resigns, a Member Benefit Claim form should be completed by the employer and submitted to SALT Employee Benefits. How To Get Your Provident Fund Payout. 1986 holding the Corporation liable to pay provident fund dues of Rs. The time it takes to receive your provident fund payout depends on several factors, including which portion of your fund you're accessing and whether there are any complications with tax directives or other requirements. Jun 28, 2023 · Unfair dismissal payout; Dismissal without pay; What steps can an employee take if unfairly dismissed? What benefits do you get when you are dismissed; Part-time domestic worker contract 1 day per week; How much compensation will i get for unfair… Can employer refuse resignation; Rights of employees after resignation If you have a Provident Fund or Pension Fund. 13 . On your death, your paidup benefit will be paid out in accordance with the requirements of legislation - Aug 18, 2021 · The long answer. Will this amount also be taxed? Cobus Strydom (CA)SA, head of consulting at Absa Consultants and Actuaries, responds. Only the following deductions are permitted from your provident fund: (a) any amount which is payable by you to the employer or the Fund at the date of your retirement or discharge, or which the employer is liable to pay in respect of you. The member is liable for the tax on the valid maintenance order. I have corresponded, and provided my medical reports and documents, yet old mutual refuses to pay put my lump sum regardless of disability and dismissal on a very long term fund. After the system updates are done, the exit process begins. Refer point 3. Keeping that in mind, the tax you’ll pay is as follows: Withdrawals Up to R25 000: 0% in taxes Withdrawals above R25 001 and below R660 000: 18% in taxable income above R25 000. When you exit the Fund you must elect how the money must be paid. The waiting period for a provident fund pay-out can vary significantly depending on several factors: Your fund administrator's efficiency; Completeness of your submitted documentation; Your tax affairs status; The type of pay-out you've requested (full withdrawal, transfer, or partial withdrawal) While each case is unique, here are some general May 23, 2024 · Upon resignation, you typically have a few choices regarding the disposition of your pension or provident fund: Transfer the Pension: You can opt to transfer your pension savings to a preservation fund, a retirement annuity fund, or the pension fund of your new employer. 2. Feb 16, 2021 · I cannot let go of what happened with my claim after my resignation February 2020. judgement of the Supreme Court in Gorakhpur University & Ors. Transfer full benefit to a Pension Fund, Provident Fund, Retirement Annuity Fund or a Preservation Fund (e. -"Child" means a legitimate child, and includes an adopted child where adoption is recognized by the personal law governing the subscriber 2[or a ward under the Guardians and Wards Act, 1890 (8 of 1890), who lives with the Members of a provident fund who were 55 years or older on 1 March 2021, and who are still a member of the same provident fund. with the employer pension/ provident fund Retirement funds offered by employers to employees until retirement. May 23, 2024 · Upon resignation, you typically have a few choices regarding the disposition of your pension or provident fund: Transfer the Pension: You can opt to transfer your pension savings to a preservation fund, a retirement annuity fund, or the pension fund of your new employer. The woman, Fathima Sayed, challenged the decision of Old Mutual Superfund Provident Fund after her late partner, A Singh, allocated his death benefit equally to his two daughters. Jun 28, 2023 · Categories Ufiling Tags 7 steps to deal with unfair dismissal, Dismissal without pay, Does the company pay you after dismissal, What benefits do you get when you are dismissed, What happens when you get dismissed at work, What is the payout for dismissal the fund as a deferred benefit, you won’t have to pay tax on your benefit until you withdraw from that fund. 3 NOTE. 5% 5% Members on unapproved leave 0% 2. The petitioner has filed this writ petition to quash the aforesaid order dated 13. If the employee has not accumulated 15 days, the Council will only pay out the number of leave days available at the date of application. The Fund’s administrator will provide you with a paid-up certificate within 2 calendar months of the Fund having become aware of your resignation from employment. 5. The learned counsel for the petitioner placed heavy reliance on Section 72 of the Act. Jul 6, 2017 · On withdrawal from a pension/provident fund, all monthly contributions made (employer and employee) plus any investment growth (or loss) thereon (if applicable), being the total fund credit Aug 18, 2021 · You should receive your provident fund payout within 21 days if your tax affairs are in order and all the required documents (such as a copy of your ID, a completed instruction form stating where the money should go, and proof of banking details) have been sent to the fund by your employer. I have already paid tax on my salary during my working life. org. This is also a provident fund scheme) 2. Hi, I have been working for a security company with a basic salary of about R24 41. A taxpayer wants to know how his provident fund will be taxed. How do we submit a claim after: Resigning, Dismissed or Retrenched from work? When the member leaves the services of the employer you must claim your benefits by completing the benefit claim form that will enable the Fund Administrator to pay the benefits. He writes: I have a provident fund that should be worth around R1m in seven years’ time. If you emigrate, you can commute the entire cash value on your preservation fund, if you meet all the requirements SARS sets from time to time and after tax has been deducted. You can choose to : Transfer your member share to your new employer’s Fund; Feb 6, 2023 · The Court reiterated the Supreme Court of Appeal’s decision in Highveld Steel & Vanadium Corporation Ltd v Oosthuizen 2009 (4) SA 1 (SCA) that, while section 37D(1)(b)(ii) of the PFA expressly states that the deduction of benefits must occur after a judgment has been obtained against the member (or after a member has admitted liability in Allow 15 working days after your exit date, for your last contribution to be submitted and processed by the administrator before checking if your claim has been lodged. Jun 13, 2024 · The two-pot retirement system that comes into effect on 1 September 2024 will change the way in which you can access your retirement savings when you leave your job. Assuming your tax affairs are in order, a pay-out usually takes around 4-8 weeks from that point. Once examined, the update process on all relevant systems will start. 32 lacs and odd. According to the learned counsel, even after dismissal, the provident fund amount cannot be Transfer the full benefit to a Pension Fund, Provident Fund, Retirement Annuity Fund or a Preservation Fund e. The first R22 500 is paid out tax free. Tax is however payable where the transfer is from a pension fund to a provident fund. The benefit payable on retrenchment is identical to the benefit payable on dismissal or resignation. Jan 23, 2024 · Subject to the Fund rules, members may be permitted to stay in the employer fund as a paid-up member and retain the remaining retirement component. Assuming your tax affairs are in order, with 10X you can typically expect a provident fund pay-out within 14 to 21 business days once all necessary documents are in order and contributions are invested. Details of the Case No fees or commissions are payable if you select this option and the administrator of the Fund (MIBFA) will process the transfer for you. However, if you are a member of a pension fund and your new employer participates in a provident fund, you will pay tax on your benefit as if you had chosen to take your benefit in cash. Transfers to approved Pension Fund and Pension Preservation Fund will attract tax. 5 million provident fund members who contribute to a provident fund. Members have the option to convert or continue their death cover. At withdrawal, your entire member share become payable and you would have the following choices: • Transfer your entire benefit to another registered pension fund, provident fund, preservation fund or retirement annuity fund. a retirement annuity fund and/or a pension preservation fund or provident preservation fund. 09. This article is based on the lawfulness of deductions made by the employer in terms of Section 34 of the Basic Conditions of Employment Act (BCEA). Feb 23, 2018 · My pension fund is protected under the pension act and if disability and job dismissal happens, the fund can pay out a lump sum on any amount. Your total Member share/savings becomes payable when you leave the Fund for the following reasons: End of contract with employer; Resignation; Absconding; Dismissal; Other (Section 14 transfer). Remember to meet the eligibility criteria, complete the necessary forms, and have patience during the processing period. Dec 5, 2024 · A 53-year-old woman who was in a 17-year relationship with a man has lost her bid to claim a portion of his R21 million provident fund. You have the option to take a cash payout or transfer it to another retirement fund. The most recent document or correspondence you have from the pension or provident fund. 5% 2. Use our fund benefit calculator to work out the tax payable on lump sum payments from Pension funds, Provident funds and/or Retirement Annuity funds. It unpacks Section 34 of the BCEA in an informative manner, allowing the reader to understand the Mar 24, 2024 · A retrenched employee is entitled to accumulated leave, notice pay (if applicable) and severance pay. An employer must pay an employee severance pay equal to at least one week’s remuneration for every completed year of service. SACCAWU NATIONAL PROVIDENT FUND RETIREMENT SAVINGS As a SNPF member, the Fund offers you an easy and cost-effective Paid-up option where you can invest your money until you're ready to retire, or until you want to transfer it into another fund in the future. , (2006) 6 SCC 591, wherein the Court held that terminal benefits including Provident Fund cannot be withheld and the same are immune from attachment, deduction or adjustment even against any of the dues from the employee. Certain members may be excluded from the two-pot system including: Members of a provident fund who were 55 years or older on March 1 2021 and are still a member of the same provident fund. Sep 26, 2023 · Section 37C is applicable to all benefits payable to a member by an approved retirement fund – including pension, provident, preservation, and retirement annuity funds – at the time of the Please remember, if you are a member of the Unicover Pension Fund and your new employer fund is a provident fund, there may be tax implications of transferring your benefit to your new employer fund. Question: How long does it take for a person to receive their pension fund pay-out after dismissal or retrenchment? Answer: Sarah, Provided your tax affairs are in order, and you have submitted all the required documents (such as a copy of your ID, a completed instruction form stating where the money should go, and proof of banking details), it normally takes 14 to 21 business days for the Verifying that you are not a robot Apr 4, 2021 · With respect the Provident Fund reliance is placed on the. In the second case, when the complainant’s employment was terminated in January 2019, he had a fund credit of about R897,000. Oct 22, 2024 · Any South African who has a pension fund, provident fund, retirement annuity, or a preservation fund. He writes: Recently, legislation came into effect which will see provident funds administered in the same way as a pension fund. Six months is a very long time to wait for a provident fund pay-out. Sometimes it is necessary to access funds quicker than the fund administrators pay it out and under certain circumstances, you can apply for a loan against the value of the fund. These members will automatically keep saving for retirement under the old system, but they can switch to the two-pot system (the cutoff date is likely 1 September 2025). Leave benefit in the Fund (complete the Member instruction form: Paid-up and Phased Retiree) 2. You can transfer your benefit to a Retirement Annuity Fund or Preservation Fund. Individual voluntary contributions (individual provident fund scheme) 1. On 1 September 2024, provident fund members who were 55 years or older on 1 March 2021 can choose to: Contribute to the vested pot (until they retire or leave the fund) or participate in the two-pot system and split all new contributions Feb 21, 2019 · Also the employer must ensure that you remain a member of the fund throughout your employment. This table tells you how much tax you must pay on any lump sum exit benefit by way of resignation, dismissal, compulsory retrenchment, death or retirement you receive from the fund. im has been lodged. Mar 7, 2023 · Members of provident funds will, similar to members of pension and retirement annuity funds, be able to claim a tax deduction on their contributions to their funds. 2. They will provide you with the necessary forms and information to initiate the claims process. Normally it should not take more than 4 to 8 weeks, if your tax affairs are in order, but if you belong to a bargaining council fund, there is usually a compulsory Nov 23, 2020 · Find 5 answers to 'If you get dismissed at woolworths do you get your provident or/pension fund ? and do they pay your leave days out or not ?' from Woolworths South Africa employees. How Much Tax Do You Pay When You Resign? The amount of tax you pay on your provident fund withdrawal depends on the withdrawal amount and the applicable tax laws. Sep 1, 2024 · The two-pot retirement system that comes into effect on 1 September 2024 will change the way in which you can access your retirement savings when you leave your job. The Full Fund Credit is made up as follows: Fund, you may only take it as a retirement benefit after that age. Note that although the withdrawal benefit is taxable income in your hands, the amount . Shitla Prasad Nagendra & Ors. Resignation, dismissal, end of contract, expiry of visa, retrenchment, employer’s termination of participation in the Fund (not a section 14), no longer an eligible employee • If you belong to both the FundsAtWork Umbrella Pension Fund and the FundsAtWork Umbrella Provident Fund, two separate withdrawal forms must be completed. 3 days ago · Pension and Provident Funds : Withdrawal Benefits are payable to members on termination of employment before age 55. The ID number of the member. sapfeducationfundsa. The Withdrawal benefit is a cash lump sum equal to the member's full Fund Credit, including profits of the Fund. At 10X, it normally takes less than one month. Apr 17, 2024 · The first step in claiming your provident fund after dismissal is to contact your former employer’s Human Resources Department. The fund administrator receives your final fund contribution and completed withdrawal form from your employer by the 7th. Pension Fund A maximum of one third of the final benefit may be taken as a once-off lump-sum/ cash payment, tax free. transferred to another fund is tax deductible and no tax is therefore payable. ) As an example: If the employee’s last day at work was the 5th of April, the Fund administrator can only start processing the claim after the month-end process has been completed, which Failing this step, you can then report the matter to the Pension funds Adjudicator. 5% 15% Members on approved leavewithout pay 0% 5% 5% Provided your tax affairs are in order, and you have submitted all the required documents (such as a copy of your ID, a completed instruction form stating where the money should go, and proof of banking details), it normally takes 14 to 21 business days for provident fund pay-out. If you are leaving the Company, you may wish to preserve your fund benefit. 5 days ago · How does Provident Fund pay out? › What can we do? You should receive your provident fund payout within 21 days if your tax affairs are in order and all the required documents (such as a copy of your ID, a completed instruction form stating where the money should go, and proof of banking details) have been sent to the fund by your employer. The provident fund was holding R183. e. You cannot withdraw this money o The full name of the fund e. If you belong to an industry (bargaining council fund) then there is usually a mandatory waiting period which can be up to six months long. In the first place, your provident fund can only be affected when you have applied for your provident fund benefits to be paid out. All information required on the claim form must be provided and completed correctly. Two-thirds of contributions from 1 September 2024. It says that your membership of the Employees qualify for 15 leave days, but the Council will pay out leave days in excess of 15 days if the employee has more than 15 days to his/her credit. During the period of notice, after agreement with the employer, the employee can be entitled to time off (not exceeding 8 hours per week) during normal working hours, not Jun 28, 2023 · When an individual gets dismissed at work, it means that their employment is terminated by their employer. ombihbj aqlre iuv colm fxfqx khnp ryibji dxqkgu giijgxh pfc