The intentional and successful employment of any cunning, deception, collusion, or artifice, used
to circumvent, cheat or deceive another person whereby that person acts upon it to the loss of property and
to legal injury. (Actual Fraud ? A deliberate misrepresentation or representation made in reckless disregard
of its truth or its falsity, the suppression of truth, a promise made without the intention to perform it, or any
other act intended to deceive.)