The intentional misrepresentation of information or identity to deceive others, the
unlawful use of a credit or debit card or ATM, or the use of electronic means to
transmit deceptive information, in order to obtain money or other things of value.
Fraud may be committed by someone inside or outside the business. Includes instances in
which a computer was used to defraud the business of money, property, financial
documents, insurance policies, deeds, use of rental cars, or various services by
forgery, misrepresented identity, credit card or wire fraud. Excludes incidents of