Company Introduce

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C&B Inc.

Our new logo and new slogan on C&B Inc. symbolize the new spirit of foreign exchange and Japan,
All of our employees and partners are always working hard to provide the best service to our customers.

Company Name C&B Inc.
Authorization number Director of Kanto Finance Bureau No. 00054

Domestic branch office

Contact 03-4570-2220 Email

Service center

English 03-4570-2220 Korean 03-4570-2220
Japanese 03-4570-2220 Etc. 03-4570-2220

Service policy

Terms of Service Article 1 (Scope of Application)
The International Remittance Service Terms (hereinafter referred to as the " Terms and Conditions ") define the international payment service (hereinafter referred to as " this service "), which is provided by C&B Inc. (hereinafter referred to as " this firm ").We will fully understand the contents of this agreement and will use this service to make sure that you are satisfied with the Terms and Conditions.

Article 2 (Qualification)
Customers listed below can NOT use our main services.
(1) Customers who are not permitted to obtain such permission to make international remittances prescribed by laws and regulations,
(2) A minor (under 18 years old), an adult ward or a person under curatorship or an aided person or a person who is not authorized by an adult ward or a person who does not have the consent of legal representative in the use of this service.
(3) Customers seeking to remit illegal profits obtained through crime, etc.
(4) Customers who are unable to identify themselves
(5) Customer under any of the categories set forth in Article 18,
paragraph 1 or paragraph 2
(6) Customers who are unable to make international remittances in the order of laws and ordinances, or in the order of the court, etc.

Article 3 (Registration of membership)
1. Customers can sign up for membership if you have plan to use this service.
(hereinafter to as membership)
2. Customers to register membership are asked to subscribe registration form of ours.
We need your Mynumber card or my number notice card to do registration.
3. In the case of membership registration, the following conditions must be met.
(1) Those who live in Japan and are older than 18 years old.
(2) Personal identification cards issued in Japan (Driver's License, Certificate of Health Insurance, Pension note, Residence Card, and Passports)
4. In the case of submitting a request for membership to be an applicant in accordance with the procedure set forth in the preceding paragraph,
we (C&B Inc.) will screen application form.
If it does NOT meet our terms and conditions, we do NOT approve the membership in the following cases.
(1) Not submit the prescribed identity confirmation documents.
(2) In the case of cancellation of membership registration because of violation of this Agreement in the past.
(3) In the case we consider that the applicant's registration is inappropriate.
5. Regardless of whether it is before or after the membership registration.
we review the contents of the application or registration information of the application or the member, and if it falls under any of the following, we can cancel the membership registration at the judgement or our company we shall assume.
(1) Where an application or registration information of an applicant or member has been falsely stated.
(2) A minor (under 18 years old), an adult ward or a person under curatorship or an aided person or a person who is not authorized by an adult ward or a person who does not have the consent of legal representative in the use of this service.
(3) Where we consider that the applicant or the member is ineligible for membership in the application.
6. The member may register the recipient at the time of registration. In this case, please confirm the procedures for the registration of our members.
7. Customers (Individual ONLY) can use this service without registering for membership. In the case, every time you apply for the service, you will need to confirm the transaction time, and the amount of money transferred at that time will be 100,000 Yen regardless of the provision of article 6 paragraph 9.

Article 4 (Membership card, Login ID, Password)
1. Members should manage their membership cards under their own responsibility and do not lend them to others. Also, members should keep ID and password carefully, and do not let others know.
2. After we confirm that the member's card and password number shown at the time of payment, and the registered ID and password on our web, the registered genuine member shall be deemed to have made the request.
3. If the customer loses or forgotten his/her membership card, password and ID, he/she will reissue the membership card or password by contacting us in the prescribed manner.
4. Even if the member's card or password is used for a third party without authorization, we shall not assume any responsibility whatsoever.

Article 5 (Remittance service plan)
Our remittance service offers the following plans:
(1) Remittance service to customers
  ·Korea, Vietnam, the Philippines, Nepal, China, India, Singapore
  ·Australia and Bangladesh
(2) remittance service to be dispatched

Article 6 (Request for remittance)
1. We accept your remittance request in accordance with this Terms and transfer the customer's money to the beneficiary designated by the customer.
2. When you intend to use the money transfer service, you will need to fill out the necessary matters on remittance request form and notice correctly and submit it to our designated agency. Members can request a remittance to us through the prescribed procedures, such as fax machines and e-mail, etc.
3.With regard to the request for remittance set forth in the preceding paragraph, the customer shall pay the money and the fees prescribed in the following Article with the Japanese Yen.
(1) Transfer to our bank account (Transferring Fee is borne by the customer)
(2) Delivery of cash at our window or agents.
4. Except for the submission of a " Written Notice of Remittance and Notification " in paragraph 1, the Customer shall submit a written confirmation of the identity of the applicant. Members who log in with the previously registered login ID and password in our home page, or any member who signs the membership card and the telephone number of the registration, shall not be required to submit any of the required documents, but this will be submitted when the company deems it necessary.
5. If you request a remittance, you will need to check the foreign exchange related laws and regulations, so please follow these procedures.
(1) Please accurately report the purpose of the remittance and other matters.
(2) Except in cases where the person is identified by the prescribed procedure, please submit driver's license, passport (address entered in the form of address), and health insurance card, residence card or their copies.
(3) In the case of a transaction requiring permission, please submit documents certifying the grant of the license or their copies.
(4) In the case of a corporate customer, you may submit the documents for which the payment is based.
6. When we receive money from our customers and receive the fee prescribed by the next article and accept the remittance request from the customer, we shall conclude a remittance contract between us and our customers.
7. Even if we agree to accept a request for remittance from the customer, we may cancel the remittance contract, if it is deemed that the confirmation of the identity of the customer is not completed or that it may not be completed.
8. We will accept your request for remittance only within our business hours.
9. The amount of money that the customer can request for our company shall be as follows:
(1) Maximum amount of money remitted
At one request, you will receive amount less than one million yen, and five million yen will be remitted per month. Remittance exceeding the maximum limit can not be carried out. In addition, if there is a limit on the upper limit of the remittance recipient by the laws and regulations of the counterparty countries, the maximum amount of money is lower than that.
(2) Customers of Juridical Persons
At one request, we will not exceed one million yen.
However, if there is a limit on the amount of money remitted by the counterparty countries and other laws, there are cases where the maximum amount and upper limit of the amount of money are necessary.
( 1 ) The upper limit on the remittance.
One time one day one month one year
Korea 500,000 1,000,000 - 5,000,000 yen
China 300,000 600,000 - 5,000,000yen
Philippines 100,000 100,000 - -
Nepal 1,000,000 1,000,000 - -
Vietnam 1,000,000 1,000,000 - -
India 1,000,000 1,000,000 - -
Singapore 1,000,000 1,000,000 - -
Australia 800,000 800,000 - -
Bangladesh 1,000,000 1,000,000 - -

( 2 ) The maximum amount of money transfer.
One time one day one month one year
Korea - 1,000,000 yen - USD 50,000

Remittances exceeding the applicable limit cannot be made.In addition, if there is a limit to the maximum amount of remittance due to laws and regulations of the recipient country, the maximum amount of remittance will be the lower amount.
(3) Corporate Customers (Members)
The amount will not exceed one million yen at a time.
However, if there is a limit to the maximum amount of remittance due to the laws and regulations of the recipient country, or if the company deems it necessary, the maximum amount and the maximum number of times may be set.
10. When you ask to send money by means of our web, fax or e-mail, we will only be responsible for the receipt of these services. If the remittance service is delayed or disabled due to the failure of communication equipment, the inability to communicate with the disabled, the inability to communicate or the like, or the information, etc., due to the failure of the communication equipment, etc. or the like, the company shall not be responsible for any damages, losses, etc., caused by the loss, loss, etc., of the company.
11. We may set up a variety of restrictions and modify the set restrictions at any time without informing you of the service.
12. In principle, the default period for remittance in this service is 1 hour.

Article 7 (Fee, etc.)
1. You will pay us our prescribed remittance fee for the use of this service.
(1) In case of Hana remittance
Up to 50,000 yen (remittance amount) 500 yen (fee)
From 50,001 to 1,000,000 yen (remittance amount) 1,000 yen (fee)
2) Directed remittance
Amount of remittance (Korea) remittance fee to 300,000 KRW5,000
from 300,001 USD50,000 KRW10,000
Amount of remittance (Japan) remittance fee
660 yen for USD 5,000 2. The money transfer fee may be changed without notifying you beforehand.
In this case, we will notify you of the change of the date and the contents of the change on our homepage, etc.
3.Cancellation fee (1,000 yen except for consumption tax) in case of cancellation pursuant to Article 12. If a cancellation is made pursuant to Article 12, you must pay the following fee.
· Refund fee.
50,000 yen : 500 yen / 50,001 yen - 1,000,000 yen : 1,000 yen
· Expenditure of remittance to be used and office fee for refund.
Window payment fee: 660 yen / Consignee bank account transfer fee: 660 yen

Article 8 (Exchange rate)
1. The exchange rate added between 0.05 yen and 0.5 yen is applied to it.
It is based on the exchange rate (TTM) Korea KEB Hana Bank applies.
(exchange rate is changed from 9 a.m. to 10 a.m., and sometimes it is changed from 9:00 a.m. to 7:00 p.m.)
2. The exchange rate for Nepal is Nabil Bank's Non-Cash Buying rate and FEDAN rate (Nepal's Association of Foreign Exchange Dealers) and Nepal Commercial Bank's Non-Cash Buying rate.
3. Exchange rates for the Philippines, China, Vietnam, India, Singapore, Bangladesh, and Australia apply Tranglo Daily Rate
4. In case of refunds, we will also apply the same rate to the customer irrespective of currencies.
Article 9 (Issuance of Receipt)
1. Upon receipt of the consignment contract under Article 6, paragraph 6, we will issue a receipt stating the contents of the request for remittance and the amount of money transferred by the customer, and the amount of receipt of the remittance, etc.
2. Please keep it carefully because the Receipt of acceptance is been necessary in the case of cancellation pursuant to Article 12.

Article 10 (Payment of funds for remittance)
1. In case of Hana remittances (1) The customer shall pay the amount designated by the customer to the recipient by transferring the amount designated by the customer to the payee's bank account (hereinafter referred to as the " payee account ").
(2) Regarding the remittance requested in principle, you can receive the payment on the day of the remittance, and may be subject to restriction on the business hours, regulatory requirements, weather conditions, and other circumstances of the electric communications, as well as other circumstances.

Article 11 (Inquiry into the transaction details)
1. Please contact us promptly if you have any doubts regarding this service, such as when funds are remitted to the recipient's account after the remittance request has been received. 2. If we are asked to contact the customer regarding the request for remittance, we may contact you regarding the contents of the remittance request.
In this case, please reply promptly. In case there is no reply within a reasonable period of time or there is an inappropriate reply, we may not be able to pay the money for the recipient. We are not responsible for any damage caused by that.

Article 12 (Rescission)
1. If the customer wishes to rescind the request after the conclusion of the consignment contract, we will accept the request for cancellation in the prescribed manner. At the time of receipt of the request for cancellation, the request for cancellation may not be accepted if the transfer to the beneficiary's payee account has already been completed.
2. When the customer intends to cancel the cancellation, he/she shall accurately fill out the necessary matters in the request for refunding and submit it to us together with note of receipts. In this case, we will ask you to submit our own confirmation documents and confirm the transaction at the time of the transaction.
3. When the company collates and verifies information on the contents mentioned in receipt. With considerable care, we return the money.
To the extent of the loss or damages, the company shall refund the losses.

Article 13 (Handling of Personal Information, etc.)
1. We handle personal information in accordance with our Personal Information Protection Rules.
2. With the regard to the use of this service, we will offer the customer or payee information and remittance information to the customer, representative, and other third parties within the necessary scope for the provision of this service.
3. If we are requested to submit information, procedures, or other legal procedures by the competent authorities, we shall comply with the request. 4. With regard to personal information submitted by you, you may request the disclosure of personal information that we store. Please contact us at our request for information regarding the disclosure.

Article 14 (Change of registration information)
1. Members shall promptly notify us of the change in the registration information in accordance with the prescribed procedures. If this notification is not available, we will treat the registration information as there is no change.
2. If there is no notification of change in the registration information from the Member, the Company shall not be liable for the delay or negligence of the notification, or if the notification is delayed, the Company shall not be liable for such failure.

Article 15 (Period for registration of membership)
The term of registration of a registered member shall be the same for two years from the date of the issuance of the membership card, and if there is no cancellation request from the member, the contract shall be renewed for two years thereafter.

Article 16 (Reconfirmation of the principal)
After the registration procedure of the Act, if necessary, the relevant laws and regulations of the Act on Prevention of Transfer of Criminal Proceeds (Act No. 22 of 2007) and subsequent amendments to the Act, etc., may be requested, and if we deem necessary, we may request the submission of the necessary documents. If there is no need to submit these documents, unless they are notified of the necessary documents for submission of the necessary documents to the address of the customer, unless they are notified of the request for the delivery of the requested documents, or if the request for delivery is not available, or if the customer is unable to contact them, we may terminate or delete any part of the transaction with the customer and delete your member information. We shall not assume any responsibility for any damage caused by this.

Article 17 (Cancellation of registration of membership)
The member may cancel membership registration by completing the procedure for cancellation of the membership.

Article 18 (excluding the elimination of anti-social forces)
1. The customer hereby acknowledges that the recipient and the designated recipient do not fall under any of the following items and will not in the future. (1) Yakuza (organized crime group)
(2) crime syndicate member
(3) members of the organized crime syndicate
(4) companies related to organized crime
(5) special intellectual violence groups, etc.
(6) any person equivalent to the preceding items.
2. The customer shall ensure that he/she does not engage in any act that falls under any of the followings:
(1) acts of violence
(2) unfair claims beyond legal responsibility
(3) speech and action of intimidation and s in relation to transactions ;
(4) spraying rumors, using fraudulent tactics or using force to damage our reputation or disrupt our business.
(5) other acts equivalent to those of the preceding

Article 19 (Suspension of services)
We may suspend the provision of this service without informing you of the need to suspend or interrupt the system due to the maintenance of the system, the communication channel or the communication means, or the interruption of computers. We shall not be responsible for any damage arising out of the customer, unless intentional or grossly negligent.

Article 20 (Suspension of Services, etc.)
If the customer decides that the customer falls under any of the following, we will discontinue the service and cancel the membership of this service without informing you. We are not responsible for any damage caused by the customer.
(1) In case there is an act of violating laws and regulations.
(2) In case the customer has come to fall under any of the items of Article 18, paragraph 1 of the same article or act under any of the items of paragraph 2 of the same Article, or has made a false declaration regarding the declaration and commitment based on the certificate under paragraph 1 of the same Article.
(3) When the contents of the request for remittance violate the laws and regulations of Japan and any other laws and regulations
(4) In case the service is utilized for acts contrary to laws and regulations or public morals and morality ;
(5) When the customer's whereabouts are unknown.
(6) When the customer has commenced inheritance.
(7) In case there is a risk of war, civil wars, freeze, suspension of payment of financial institutions, or the like ;
(8) In addition to what is listed in each of the preceding items, when there arises a reasonable reason why the company needs to suspend this service.

Article 21 (Discharge provision)
1. No liability shall be given to any damage caused by the customer's failure due to unavoidable circumstances such as natural disasters, such as disaster, accident, wars, restrictions imposed by laws and ordinances, or any other circumstances attributable to the government or other authorities.
2. Customer shall be responsible for the damages arising from the customer's misunderstanding of the cause of the receipt or receipt of the error, or any other details of the application, the nature of the application, the relationship between the customer and the receiver, or the relationship between the customer and the receiver, and the account theft and other accidents.
3. If we are liable to compensate for damages in relation to this Agreement, the amount of money transferred shall be limited to the amount of money transferred.

Article 22 (Change or abolition of this Agreement)
1. Changes in the terms and conditions of this Agreement, and the terms and conditions of the Services (including the time limit for use, limit amount and fees etc.) may be changed or repealed if there are any changes in the financial situation and other circumstances. In addition, the use of this service may cease to exist in whole or in part for the change or abolition.
(2) The company shall not be liable for any damage arising from the change or abolition of the preceding paragraph or any damage caused by the suspension of use.
3. If you change or repeal the contents of this Agreement or this service, we will give you prior notice of at least one month prior to the notice at our window or on the website.

Article 23 (Prohibition of transfer, pledge, etc.)
Any right to a customer's contractual status or any other rights in this service may not be assigned to the third party, the lease, the pledge.

Article 24 (Matters related to prevention of misunderstandings and foreign exchange transactions conducted by banks, etc.)
Members shall fully understand and accept the following items and use this service.
(1) The service is not a foreign exchange transaction conducted by banks.
(2) The service shall not accept deposits or savings or installment savings. (meaning installment savings prescribed in Article 2, paragraph 4 of the banking Act).
(3) The service shall not be subject to the payment of insurance claims prescribed in Article 53 of the deposit insurance Act or Article 55 of the Agricultural and Fishery Cooperatives Savings Insurance Act.
(4) To deposit guarantee money in the Tokyo Legal Affairs Bureau to guarantee the requester's claim for reimbursement of the requester's request (defined in Article 25, Paragraph 1).

Article 25 (Security Deposit for Providing)
1. In accordance with the provisions of Article 43 of the Act on Settlement of Funds (hereinafter referred to as the " Financial Settlements Act "), we shall deposit with the Tokyo Legal Affairs Bureau the guarantee of payment of the guarantee fee calculated by the prescribed method. If the company fails to repay the obligation, the Remitter shall have the right to receive reimbursement for the fulfillment of the guarantee (hereinafter referred to as the " Right to Demand Reimbursement ") in advance of the other party to the payment of the guarantee.
2. The right to claim refunds shall belong to the remitter until the recipient receives the remittance in real time. After the recipient receives the remittance, the remitter can not exercise the right to claim refund.
3 If the grounds prescribed in Article 59, paragraph 2 of the Payment Services Act arise, the Remittance Handling Financial Institution may refund the money for the repayment of the guarantee prescribed in Article 59, 2.
4 If the grounds set forth in the preceding paragraph occur, the recipient of the service shall not receive the money transfer. If the recipient of the refund receives the reason set forth in the preceding paragraph after the recipient receives the money, and the refund procedure is carried out, he or she shall refund the money equivalent to the refund of the deposit to the company.

Article 26 (Business office to respond to consultations and complaints)
1. The location and contact address of the business office where the customer requests consultations and complaints shall be as the followings

C&B Inc.
Tel: 03-4570-2220

2. Overseas
・Migliore B/D18F,263 Jangchungdanro. Jungu Seoul Korea
CNB PAY Inc. Tel:822-2285-2077 Fax:822-2285-2078
・Unit 10-1,Tower9,Avenue 5, Bangsar south No.8 59200 Kuala Lumpur Malaysia
Tranglo Sdn.Bhd Tel:603-2241-4188 Fax:603-2241-4189
・Gairidhara-2 , Kaathmandu Nepal
Ipay Remit Inc. Tel:977-1-4435139 Fax:977-1-4435158

Article 27 (Complaint Processing Measures and Dispute Resolution Measures)
Our complaint processing measures and dispute resolution measures are as follows:
1. Complaint Processing Measures:
General Association-Japan Clearing Services Association
       Phone : 03-3219-0628
2. Dispute Resolution Measures :
Conflict Resolution Center of the Tokyo Bar Association
         Phone : 03-3581-0031
      Daiichi Tokyo Bar Association
         Phone : 03-3595-8588
      Daini Tokyo Bar Association
         Phone : 03-3581-2249.

Article 28 (Governing law and Jurisdiction)
The governing law and the applicable law of this service shall be governed by the Japanese Law. In the case of a lawsuit concerning this Agreement or this service, the Tokyo District Court shall have the exclusive jurisdiction of the First Instance Court.

Article 29 (Languages)
In this regard, Japanese sentences and English sentences or other languages exist, and if there are differences in the contents, Japanese sentences will prevail.

Revised details:
On October 1, 2017, the new Terms and Conditions was enacted.

                    C&B Inc.

Privacy Statement
C&B Inc. (hereinafter referred to as "Company") handles various information including information kept from customers.
Therefore, in order to respect the value of this information, we will establish an information management system and make a thorough endeavor..
1. Establishment of privacy policy and ensuring security and continuous improvement
We recognize the importance of protecting personal information to our officers and employees, and to protect personal information Establish regulations, secure security, and make continuous improvements.
2. Collection, use, provision of personal information and prohibition of use outside purpose
We establish a management system for the protection of personal information, and at the same time treat the collection, use and provision of personal information in accordance with prescribed rules as appropriate.
In addition, we do not use for purpose. In addition, when we acquire personal information of the customer directly or indirectly, we will use the personal information of the customer within the range necessary for achieving the purpose of use as follows.
In addition, if you wish to acquire personal information in writing directly from the customer, we will specify the purpose of use in advance.
For the purpose of membership registration and service provision of the international remittance service, in order to contact the customer and to confirm the identity of the person under the Foreign Exchange Law, For the research and development of services through market research and analysis of data and surveys for the fulfillment of events and obligations; For cancellation of various transactions for various proposals about service such as dispatch of direct mail and post-cancellation after deal cancellation To properly and smoothly conduct transactions with other customers
3. Implementation and correction of safety measures
In order to prevent unauthorized access to personal information, loss of personal information, destruction, tampering and leakage, we securely manage personal information and strive to maintain, improve and correct security. Also, when a safety problem is identified, it is identified and corrective action is taken.
4. Compliance with laws and regulations
We comply with related laws and regulations, and strive to continuously improve and improve our privacy practices in accordance with changes in the environment.
5. Respect for your rights regarding personal information
We will respond appropriately to inquiries about your personal information inquiries at your counter. In addition, we do not provide or disclose personal information to a third party except in cases where we acknowledge it in advance and permit it in laws and ordinances.
6. Viewing and Correcting Personal Information
We will respond according to the provisions of laws and ordinances when we require disclosure, correction (correction, addition, deletion, suspension, deletion, or suspension of provision to third party) of personal information from the customer.

In Japan:
C&B Inc. Shinkawa office
Business hours: from 9:00 to 18:00 on Monday thru Friday and 10:00 to 17:00 on Saturday(except for the year-end and new year holidays
(December 31 through January 2) and those as specifically prescribed by this Company)
Basic policy on antisocial forces
[Article 1 (Basic policy on antisocial forces)]
The basic policy for our antisocial forces is to:
  1. (1) We do not have any relationship with antisocial forces, including business relationships. In addition, if you have any relationship with the antisocial forces that you do not know, quickly dismiss the relationship after the discovery.
  2. (2) We will never provide funds and facilities for antisocial forces.
  3. (3) In order to prepare for the unreasonable demands of antisocial forces, we establish close cooperation with external professional organizations such as the police violence extermination promotion center and lawyers.
  4. (4) We firmly refuse the unfair demands of antisocial forces. We also take legal measures to deal with civil cases, and we do not hesitate to respond to criminal cases involving the filing of complaints or complaints.
  5. (5) Even if the unfair demands of antisocial forces are due to miscommunication in business activities or unfairness of employees, we will never reverse the facts to cover up the facts.
  6. (6) We believe that the unfair demands of anti-social forces are applicable to the whole company and below.
  7. (7) We ensure the safety of our employees in response to the unfair demands of antisocial forces.
[Article 2 (Definition of Antisocial Forces)]
Antisocial forces are groups or individuals who use violence, power and fraud, pursue economic interests, fall into the following categories of characteristics, and those that meet the requirements of acts such as violent claims or unreasonable demands beyond legal liability It also includes.
  1. (1) Gang, Gang member
  2. (2) Gang affiliates and their officers and employees
  3. (3) Organizations and individuals (such as general members) who demand unfair profits other than dividend payouts in corporations
  4. (4) Organizations and their members who advocate social movements and demand unfair profits and actions
  5. (5) Special intelligence violence group etc. and its members
Be careful of fraud damage!
Before you send money abroad, please read the following questions carefully and be careful not to suffer fraud.
What I am going to send,
  • · Is it a remittance to a stranger or a stranger?
  • · What is it to prove that you have enough funds to borrow a way to buy a product?
    Do not you ask them to give you a remittance by phone, e-mail, fax or the web?
  • · Can I usually buy goods, services, pets, etc at an unbelievably cheap price compared to the price?
  • · Lottery Prize, Heritage, Guarantee Credit Card, Loan, Bank Fee Refund Can you get an attractive investment?
  • · Internet, letters, phone solicited mystery shopping, charity?
  • · Despite the fact that the caller is not sure that the request is true, is it a remittance to a person in the immediate family who claims to be an immediate family member claiming to make an urgent offering?
  • · Can you provide financial support to people you meet at online ticket rooms and dating sites (for example, tickets, medical expenses, family living expenses, check cashing, etc.)?
  • If you have any of these questions, do not send them.
Someone is trying to steal your money. The Company will not be held responsible for the damage caused by remittance fraud in the case of neglecting the caution of fraud prevention above.