Fraud is legally defined as an act committed with the intent to deceive and which causes harm or injury. There are four basic requirements for classifying a behavior as fraudulent: "First, a false representation is made by one party, who either knows it to be false or is knowingly ignorant of its truth ... Second, the misrepresenter's intent is that another will rely on the false representation. Third, the recipient of the information is unaware of the intentional deception. Fourth, the recipient of the information is justified in relying on or expecting the truth from the communicator. The resulting injury may be financial, physical or emotional