Bancorp International Group Inc (fka BCIT)

[janice shell]

Nothing in the law books says anything about intentional or non-intentional..

On the contrary:

Fraud must be proved by showing that the defendant's actions involved five separate elements: (1) a false statement of a material fact,(2) knowledge on the part of the defendant that the statement is untrue, (3) intent on the part of the defendant to deceive the alleged victim, (4) justifiable reliance by the alleged victim on the statement, and (5) injury to the alleged victim as a result.

http://legal-dictionary.thefreedictionary.com/fraud