RIAs and broker-dealers that do not provide or offer services to “retail investors” are not required to prepare, deliver or file a Form CRS. must file and deliver a Form CRS under Rule 17a-14. Effective as of March 28, 2023. Fidelity Personal and Workplace Advisors LLC CLIENT RELATIONSHIP SUMMARY. One choice is U. Securities and Exchange Commission as a broker-dealer and an investment adviser and is a member of FINRA and SIPC. If brokerage services are provided through a clearing firm custodial platform, your transactions are executed through that platform and assets are custodied there as well. Apr 22, 2020 · Distribution: Form CRS must be delivered to existing retail customers within 30 days of its filing with the SEC. Dec 14, 2023 · Your article was successfully shared with the contacts you provided. 9898973. ), but corporate and plan-level retirement accounts are generally excluded. Form CRS is a relationship summary disclosure form that broker-dealers and financial advisors are required to share with their customers (aka retail investors) in conjunction with certain events, such as opening a new account or recommending an investment product. A. For an existing cash account customer who received the initial Form CRS in early July 2020, a new Form CRS must be delivered no later than A)a change to the customer's investment objectives. It’s important to understand who can IARD Form ADV Part 3 (Form CRS) About Form ADV Part 3 On June 5, 2019, the SEC adopted new rules and forms to require broker-dealers and investment advis-ers to provide a brief relationship summary, Form CRS, to retail investors. and Form CRS by the June 30, 2020 compliance date. Form CRS must be provided to clients and posted on the firm’s website. Rory O'Connor, Director, Bates Compliance – roconnor@batesgroup. 5 days ago · Study with Quizlet and memorize flashcards containing terms like An investor is looking at purchasing $10,000 face of bonds. Under General Instruction 9. The SEC adopted a package of new rules designed to enhance the quality and transparency of retail investors’ relationships with investment advisers and broker-dealers. Jun 26, 2019 · Requirements Of The SEC’s Final Rule On Form CRS [Release No. Form CRS is one of the latest Reg BI requirements for wealth management firms, and it’s not going anywhere Advisor Client Relationship Summary (Form CRS) Registered with the Securities and Exchange Commission (SEC) as an Investment Adviser. Oct 12, 2020 · Topic In Focus: Wealth Management A deep dive into how advisors can best serve the evolving needs of their wealthiest clients Tax Facts Anticipate your clients' tax questions on Social Security May 10, 2022. This Exhibit summarizes the following material changes to the firm's Form CRS, implemented on April 14, 2021: Additionally, this update take into account the SEC's Standards of Conduct Implementation Committee's statement that provided guidance to firms on how they can improve Depending on the type of product or account, brokerage services can be provided through a clearing firm custodial platform or directly with an investment sponsor. The Form CRS would be provided to investors, filed with the SEC and available online. Changes in Burden Estimates and New Burden Estimates. The compliance date for the new rules is June 30, 2020. This guide is provided to firms registered with SEC as an Investment Adviser or Dual BD/IA to assist in the Form CRS need to update Form CRS. June 30th marks the second anniversary of the implementation of Regulation Best Interest and Form CRS and we are celebrating with a deep dive into everything FINRA has learned on the topic over the last two years. Instructions to Form CRS. If you are a US person you must provide a Form W-9. Interpretive questions should be directed to (3) Amend your Form CRS as required by the instructions in the form. Under SEC rules, when and to whom must a Form CRS be provided? A - Within a reasonable time after account opening, only for retail clients B - Within a reasonable time after account opening, to both retail and institutional clients C - At, or prior to, the making of a recommendation or account opening, only for retail clients Jul 25, 2019 · Please see the this Alert for further discussions about Form CRS. The Appendix to this Alert describes the mechanics of filing, delivering, amending and otherwise satisfying the legal requirements with respect to a firm’s Form CRS. 5 Form CRS Adopting Release at 5. (c) Delivery of Form CRS. 10. Jul 12, 2019 · D. 34-83063-appendix-b. ( 3) Supervised person means any of your officers Separately, whether they make recommendations or not, member firms that offer services to retail investors must file and provide retail investors with a Form CRS, a brief relationship summary that discloses material information about the firm in plain language (e. pdf (331. Responsibility for completing the CRS tax forms 1. In a matter of seconds, get an digital paper with a court-admissible eSignature. can find additional information about our firm’s investment advisory services on the SEC’s website at. We anticipate issuing a separate publication in the future after more exams have been conducted. This document The information provided in this section is for FATCA IGA purposes. Form CRS must include, among other things… Firm registration information Jun 20, 2019 · The Reg BI and Form CRS rules will become effective 60 days after their publication in the Federal Register, and firms must be prepared to comply with them by June 30, 2020. , investment services provided, fees, conflicts of interest, legal and Feb 10, 2023 · For a Form CRS to be considered complete, it has to include disclosures pieces of information. 4. Apr 13, 2020 · In addition, all broker-dealers and investment advisers who offer services to retail investors are required to file and deliver to such investors a new client relationship summary (“Form CRS”) that provides information about such services, describes associated fees and costs, and advises the investor of conflicts of interest that might The purpose of this document is to provide certain information to support customers who are required to complete Common Reporting Standard (CRS) self-certification forms. Broker-dealers registered with the SEC that offer services to retail investors must file and deliver a Form CRS under Rule disclosure document mandated under SEC Regulation Best Interest (Reg BI). Intentional misstatements or omissions constitute federal criminal violations (see 18 U. Aug 19, 2019 · Instead, suffice it to say there are eight items mandated for coverage: Item 1: Introduction Item 2: Relationships and Services Item 3: Standard of Conduct Item 4: Summary of Fees and Costs Item 5 Jun 24, 2020 · The initial deadline for filing Form CRS is June 30. 3 See Advisers Act Rule 204-5. This Form CRS is a summary, as required by SEC rules, as part of discussions that may encompass a variety. On June 5, 2019, the Commission adopted a new rule to require registered investment advisers and registered broker- dealers to provide a brief client relationship summary–Form CRS –to retail investors. Revised Annual Burden Estimates. The Form CRS does not preclude firms or financial professionals from providing separate copies of additional regulatory disclosures. Statements in this Form CRS requiring that we act in your best interest when making brokerage recommendations reflect our obligation under the SEC. Recordkeeping Obligations Under Exchange Act Rule 17a-3. this relationship summary and other up-to-date information. Going forward, Form CRS should be provided to new or prospective retail investors at or before entry into a contract. Get crs form signed right from your smartphone using these six tips: Type signnow. “retail investor,” and Form CRS must be provided to a retail investor who invests for personal, family or household purposes. This guide is provided to firms registered solely as a Broker-Dealer to assist. Form CRS is a firm-level document. When we refer to Form CRS in this release, we are referring to Form CRS for both broker-dealers and investment advisers registered with the Commission. During exams, SEC staff will review Form CRS to confirm that the prescribed wording, text features, and layout are followed. [2] Both broker-dealers and investment advisers (each, a “firm”) must provide to retail Jul 30, 2019 · While certain of these disclosures may already be effected via other means (such as in an advisory firm’s Form ADV), they must still be provided in the Form CRS. Securities and Exchange Commission (“SEC”) required registered investment advisers and broker-dealers to prepare a client relationship summary (“ Form CRS ”) that provides information about their investment-related services and fees. Aug 6, 2020 · Aug. Form CRS June 2024 Relationship summary for individual UBS 1Wealth Management clients How we work with you At UBS, we believe transparency about our services and fees is central to our relationship with advisoryyou. red to clients and prospective clients as described within this document. From a content perspective, the most important thing advisory firms can do is identify conflicts of interest. E. 75, The term used to describe the processes and policies followed by a Jul 30, 2019 · Firms should also note that all natural persons, regardless of net worth or sophistication, are included in the definition of “retail investor,” and that Form CRS must be provided to a retail investment advisers and four pages for dual registrants like LPL. Creating a compliant Form CRS will entail significant effort, and securities firms should prioritize internally coordinated efforts to ensure that their relationship summaries are Study with Quizlet and memorize flashcards containing terms like The customer relationship summary (Form CRS) is an integral part of Regulation Best Interest. B) the temporary withholding of a Feb 2, 2023 · What must be included in Form CRS? Specific requirements vary based on the services provided by the firm, but at a minimum, Form CRS must include: Firm registration information (including whether the firm is registered as a broker-dealer, investment advisor, or both) Item 1 –Introduction. S. Treasury bonds priced at 104. You must: (1) Deliver to each retail investor your current Form CRS before or at the earliest of: (i) A recommendation of an account type, a securities transaction; or an investment strategy involving securities; (ii) Placing an order for the retail On July 29, 2022, we filed an updated Relationship Summary on Form CRS (Form CRS). According to the SEC, the Form CRS, or colloquially known as the “ADV 3” is to provide information to your clients related to: Introduction of the Firm Dec 5, 2019 · The SEC has issued written instructions that provide detailed specifics of what information must be provided retail clients in Form CRS and how that information must be presented. Code and Standards Section A. How to Provide Additional Information Regarding Disciplinary or Legal History on Form CRS. We have made changes throughout our Form CRS to reflect that, as of July 29, 2022, we no longer provide investment advisory services. BI and Form CRS to help member firms assess their obligations under each. Please note your FATCA classification may differ from your CRS classification in Part 2. Apr 21, 2020 · Form CRS must be written in plain English and adhere to prescribed formatting instructions. Customer Relationship Summary – Form CRS . It does not create or modify any agreement, relationship or obligation between you and FBS (or your financial professional). 1. For example, an RIA whose sole clients are pooled investment vehicles is Sep 23, 2019 · The SEC provided separate (see here and here) small-entity guides for broker-dealer compliance with the Client Relationship Summary (" Form CRS ") and Regulation Best Interest ("Reg. Jun 13, 2019 · Firms must file their initial Form CRS and post their Form CRS prominently on their websites no later than June 30, 2020. Downloads. Form CRS is a relationship summary disclosure that broker-dealers and SEC-registered investment advisers must provide retail investors. How You and Others are Compensated: How the CFP® professional, the CFP® Professional’s Firm, and any Related Party are compensated for providing the products and services. 5. 65 C) $137. ) The summary must provide information on all of the different relationships and services offered. Firms must file their relationship summaries with the Commission. Jun 30, 2020 · The new Securities and Exchange Commission (SEC) rules, among other things, enhance the standard of conduct broker-dealers must provide to their retail customers and require broker-dealers and SEC Jul 17, 2019 · Form CRS requires advisors to disclose conflicts of interest in one of two ways: by summarizing one of the four conflicts provided in the SEC rule, which includes disclosing proprietary products Under General Instruction 9. Jun 30, 2022 · Form CRS—short for client or customer relationship summary—is a mandatory written disclosure that broker-dealers and registered investment advisors (RIAs) must provide to clients that discloses key information about the broker-dealer’s background and practices. C)the 2 Form CRS Relationship Summary; Amendments to Form ADV, Exchange Act Release No. Fidelity Brokerage ServicesCUSTOMER RELATIONSHIP SUMMARY. Baird & Co. The relationship summary contains Jun 27, 2019 · Firms must keep copies of Form CRS and records of each date that Form CRS is provided (in the case of a Broker-Dealer) or given (in the case of an Investment Adviser) to a retail investor, including dates prior to the date the retail investor opens an account or becomes a client. This document is not an alternative to clients reviewing, ascertaining and self-certifying their tax status under CRS rules. 5, 2018) (the “Form CRS Adopting Release”). FINRA is providing this checklist to help members assess their obligations under the SEC’s Regulation Best Interest (Reg BI) and Form CRS Relationship Summary (Form CRS). , by July 30, 2020). It is required for all broker-dealers and Registered Investment Adviser (RIA) firms that are registered with the SEC and must be deliv. In order to ensure any available relief for US Chapter 3 or Chapter 61 withholding tax you must provide a US IRS tax form. B)the opening of a new margin account. 1 The checklist is not a substitute for any rule. Thereafter, broker-dealers must provide Form CRS at the earliest of (i) making a recommendation, (ii) placing an order, or (iii) opening an account. Client Relationship Summary (“Form CRS”) Effective as of March 30, 2022 Robert W. impose reasonable restrictions on the management of your account, which must be provided in writing. When provided along with other documents, Form CRS must be the first document the client sees and provided in the following manner: Mar 15, 2024 · Starting in 2020, the U. However, advisers considering registration in 2020 should take note that any initial application for registration as an investment adviser, that is filed with the SEC on or after May 1, 2020, must include a Form CRS. Mar 30, 2022 · Form CRS Page 1 Rev. 34-86032 (File S7-08-18), the SEC defines the parameters of the new Customer/Client Relationship Summary (Form “CRS”) that all broker-dealers and RIAs will be required to deliver to their (prospective) clients in the future. The staff responses provided two examples: Jun 24, 2019 · Thereafter, a broker-dealer must post a current copy of the Form CRS on its website, deliver an updated copy of the broker-dealer’s Form CRS within 30 days of a request and deliver and communicate any changes to the Form CRS to its existing clients or customers within 60 days of the date that the Form CRS must be updated. Therefore, the BCCD must be provided to individuals with personal or household accounts (or their legal representatives in the case of personal trusts, estates, etc. nderstand the differences Jun 28, 2022 · June 28, 2022. Form CRS must be delivered to current and prospective retail investor clients within 30 days of June 30, 2020. Introduction. Filing Form CRS is mandatory for every broker or dealer registered with the Commission pursuant to section 15 of the Exchange Act that offers services to a retail investor. It should be filed through IARD as Form ADV Part 3. You may also contact our firm at 877-257-3840 to request a copy of 5 – Additional Information. BI"). (iii) to Form CRS, a firm must deliver to an existing client or customer who is a retail investor the current Form CRS before or at the time it “[r]ecommend[s] or provide[s] a new brokerage or investment advisory service or investment that does not necessarily involve the opening of a new account and would not be Jul 21, 2022 · Forms Customer Relationship Summary. com in your phone’s browser and log in to your Aug 8, 2022 · Aug 8, 2022 9:00AM EDT. e. May 21, 2020 May 21, 2020 CRS. 2. The SEC’s Office of Investor Education and Advocacy is issuing this Investor Bulletin to provide investors information about the customer or client “relationship summary” (also called Form CRS and Form ADV Part 3) that broker-dealers and investment advisers are required to provide when they offer services to retail investors. Investment advisory and brokerage services and fees differ, and it is important May 9, 2018 · Form CRS would be required by Form ADV Part 3 and rule 204-5 of the Advisers Act for investment advisers, and by Form CRS and rule 17a-14 of the Exchange Act for broker-dealers. We have also updated our main phone number to 800 Apr 21, 2020 · • Distribution: Form CRS must be delivered to existing retail customers within 30 days of its filing with the SEC. An agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless it displays a currently valid control number. Q: Can I have multiple Form CRS’s for separate services? A: No, every RIA must only use a single Form CRS that comprises . Form CRS must remain accurate, and should be updated, if necessary, in a timely manner. Study with Quizlet and memorize flashcards containing terms like The customer relationship summary (Form CRS) is an integral part of Regulation Best Interest. [1] The staff statement summarizes observations of the Standards of Conduct Implementation Committee based on For purposes of this section: ( 1) Current Form CRS means the most recent version of the Form CRS. Any conflicts of interest a broker or advisor may have. sec. Record Retention Obligations Under Exchange Act Rule 17a-4. May 25, 2023 · Starting May 1st, 2020 all IAR’s must begin providing new and prospective clients with the NewEdge Advisors ADV Part 3 Client Relationship Summary (Form CRS). pdf formcrs. These include new Regulation Best Interest, the new Form CRS Relationship Summary, and two separate interpretations under the Investment Advisers Act of 1940. How much more will the Treasuries cost? A) $86. 9898468. The retail investor definitions in Regulation BI and in the Form CRS rules have been harmonized. Investment advisers must provide Form CRS prior to entering into an advisory Dec 29, 2021 · On December 17, 2021, the staff of the U. Incorporated (“Baird”, “we”, “us” or “our”) is registered with the U. IAs and/or BDs must provide the Form CRS to new or prospective customers prior to a recommendation being provided, order placed, or account opening. 78ff(a)). Apr 2, 2020 · Along with adopting Regulation Best Interest and Form CRS, the Commission also provided interpretations: (1) reaffirming and in some cases clarifying standards of conduct for investment advisers, and (2) regarding when a broker-dealer’s advisory services are solely incidental to the conduct of the business of a broker or dealer. What fees or other costs you’ll pay for those services. 103. § 1001 and 15 U. We are proposing to define “relationship summary” as a written disclosure statement that firms must provide to retail investors. com or 860-671-7270. Securities and Exchange Commission issued a statement regarding Form CRS disclosures required of SEC-registered broker-dealers and investment advisers who offer services to retail investors. If your circumstances change and any of the information provided in this form becomes incorrect, please let us know immediately and provide an updated self-certification. You www. dealers, Form CRS will be required by new rule 17a-14 under the Exchange Act. Our services and compensation structure differ from a registered broker-dealer, and it is important for you to. m CRS (BD only)About Form CRSOn June 5, 2019, the SEC adopted new rules and forms to require broker-dealers and investment advis-ers to provide a brief relationship summary, Form CRS, to retail investors. If a prospective client is physically presented with informational materials, then the Form CRS must be placed first, and if information is delivered electronically, then it must be prominently Commission may use the information provided in Form CRS to manage its regulatory and examination programs. Below is a summary of the changes we made since the last filing of Form CRS. 24, and the other choice is AAA-rated corporate bonds priced at 103⅜. Updates. This important information about Fidelity Brokerage Services LLC (“FBS”) is provided to comply with the federal securities laws. See 17 CFR 240. Responsibility for completing the CRS tax forms the Form CRS becomes materially inaccurate or materially incomplete. gov by searching CRD #151367. com or 713-410-3978. Fidelity Personal and Workplace Advisors LLC (“FPWA”) is a registered investment adviser with the U. 34-86032] In Release No. Oct 8, 2020 · Form CRS is a brief relationship summary designed to help retail investors make informed choices regarding what type of relationship — brokerage, investment advisory or a combination of both — best suits his or her particular needs and circumstances. 6, 2020. Following the SEC’s guidelines, this form has to explain: The types of financial services an investment advisor or broker-dealer offers. a. the services offered Dec 8, 2020 · To whom must the BCCD be delivered? Reg BI applies to “retail” customers. Similar to the mutual fund “check and application” scenario described above, where a retail investor engages in a securities transaction for a private placement security through a broker-dealer, in the staff’s view the Form CRS filing and delivery requirements apply. F. 50 B) $8. Understanding our thereservices and fees allows you to make informed decisions about how you work with us. ge Commission (“SEC”) as an investment adviser. 1 FINRA’s Reg. For an existing cash account customer who received the initial Form CRS in early July 2020, a new Form CRS must be delivered no later than A) a change to the beneficiary of an existing Roth IRA. 2 Form CRS Relationship Summary; Amendments to Form ADV, Exchange Act Release No. g. Download ADV Part 3 - Form CRS Relationship Summary. Completing this form will ensure that we hold accurate and up to date information about your tax residency. Respondents: Broker-Dealers. The Best Execution, Outside Business Activities and Private Securities Transactions, Private Placements, and Reg BI and Form CRS sections of the 2023 Report on FINRA’s Examination and Risk Monitoring Program (the Report) informs member firms’ compliance programs by providing annual insights from FINRA’s ongoing regulatory operations, including (1) regulatory obligations and related Instructions to Form CRS. Cetera’s Form CRS is specific to each of our broker-dealers The Reg BI and Form CRS section of the 2022 Report on FINRA’s Risk Monitoring and Examination Activities (the Report) informs member firms’ compliance programs by providing annual insights from FINRA’s ongoing regulatory operations, including (1) relevant regulatory obligations and related considerations, (2) exam findings and effective practices, and (3) additional resources. We are also adopting conforming technical and clarifying amendments to the General Instructions of Form ADV. Item. • Form ADV, Part 3: Form CRS: Item 3. Form CRS and its related rules require SEC-registered investment advisers and SEC-registered broker-dealers (together, “firms”) to deliver to retail investors a brief customer or client relationship summary that provides information about the firm. (iii) to Form CRS, a firm must deliver to an existing client or customer who is a retail investor the current Form CRS before or at the time it “[r]ecommend[s] or provide[s] a new brokerage or investment advisory service or investment that does not necessarily involve the opening of a new account and would not be Mar 22, 2024 · SEC Regulation Best Interest sets forth the standard of conduct broker-dealers must provide to their retail customers when they make recommendations of securities or investment strategies involving securities. We do not have to limit the type of securities we trade for clients to proprietary products or a limited group or type of investment, but we generally construct and manage portfolios consisting primarily of mutual funds, Jan 14, 2020 · (Dually registered firms may file two separate Form CRS, one describing their broker-dealer services and one outlining all of their adviser services. Moelis & Company LLC (“Moelis”, “we”, “us”, or “our”) is registered with the Securities and Exchange Commission (“SEC”) as a -dealer and is a member of the Financial Industry Regulatory Authority broker (“FINRA”). Only the rule can provide definitive information regarding its requirements. iii. On this episode, Meredith Cordisco, associate general counsel with the Office of General Counsel, Scott Gilbert, vice Jan 6, 2022 · To learn more about Reg BI and Form CRS compliance consulting support, including how your firm can improve its compliance, please contact us directly: Rhonda Davis, Managing Director, Bates Compliance – rdavis@batesgroup. FINRA notes that the SEC held a virtual Roundtable on Regulation Best Interest and Form CRS that discussed some early examination findings. adviserinfo. In the summer of 2019, the SEC adopted Regulation Best Interest (“Reg BI”) and the Form CRS Relationship Summary (“Form CRS”). Jun 19, 2019 · The Form must be delivered by BDs to each new or prospective client before a recommendation, order, or account opening. 4 See Exchange Act Rule 17a-14. Unlike the Form ADV 2A & 2B Brochure that is required to be updated and delivered annually, Form CRS is only required to be updated when it becomes materially inaccurate. Initial and Annual Burdens. Form CRS and Rule 17a-14 Under the Exchange Act. onship Summary (Form CRS) Item 1 – Introduction Strategent Financial, LLC (“we” or “us”) is registered with the Securities Excha. 03/30/2022. Depending on the type of product or account, brokerage services can be provided through a clearing firm custodial platform or directly with an investment sponsor. The services provided by an investment advisor and other financial services providers, like a broker-dealer, will difer, as well as the fees charged by such providers. 50 D) $13. BI and Form CRS Firm Checklist2 (the “Checklist”) provides a Q&A outlining the major requirements of the recent rulemaking package and explains some key differences between FINRA rules and the SEC’s Reg. Thereafter, broker-dealers must provide Form CRS at the earliest of (i) making a The purpose of this document is to provide certain information to support customers who are required to complete Common Reporting Standard (CRS) self-certification forms. . What is required to be disclosed in the Relationship Summary? Broker/dealers and RIAs must disclose in the Relationship Summary: Relationships and services provided; Fees, costs, conflicts, and standards of conduct; lationship Summary(Form CRS). Apr 21, 2020 · Firms must state yes if they or any of their financial professionals currently disclose, or are required to disclose, disciplinary information in a Form ADV, Form BD, or Form U4, U5, or U6 [Item 4 1 919925. Oct 21, 2020 · The yes-or-no response is the most important component of Item 4 and should simplify the process of completing the form. 56 KB) Modified: July 21, 2022 SOCIAL MEDIA 1 Twitter 2 Depending on the type of product or account, brokerage services can be provided through a clearing firm custodial platform or directly with an investment sponsor. pdf. Securities and Exchange Commission. 17a-14. Advisers and brokers are required to deliver a relationship summary to you. C. f accounts and account types. Therefore, the signNow online app is a must-have for completing and putting your signature on form crs must be provided to on the go. By Richard Thoeny, VP of Product Management at Docupace. FINRA reminds firms to review the materials noted in the Additional Resources section below. 0 1. Form CRS is made publically available. 101. As of October 2023 . all. This includes a summary of the required contents of the Classic CRD. • Form ADV Part 2(A): Items 5, 6, 10, 12, 14, and 19C; • Form ADV Part 2(B) Brochure Form CRS – Client Relationship Summary. As previously covered, the SEC adopted a rulemaking package designed to enhance retail investors' protections when dealing with broker-dealers and investment Jul 22, 2020 · A broker-dealer must provide Form CRS before or at the earliest of: to the information provided on Form CRS and make sure it is consistent with your understanding of the services provided by Jul 14, 2022 · Form ADV is a required submission to the Securities and Exchange Commission (SEC) , by a professional investment advisor , which specifies the investment style, assets under management (AUM), and For retail investors who already have a brokerage or advisory account, Form CRS must be provided within 30 days after the date by which the investment adviser or broker-dealer is required to file the Form with the SEC (i. ( 2) Retail investor means a natural person, or the legal representative of such natural person, who seeks to receive or receives services primarily for personal, family or household purposes. 86032 (Jun. VI. wv au ri iu kf dy wr zk oj xr