1. Consumer fraud, as defined by Arizona law, is any deception, unfair act or practice, false statement, false pretense, false promise or misrepresentation made by a seller or advertiser of merchandise

2. Voluntary parting with title or possession of any property by the Insured or others to whom the property may be entrusted (except carriers or other Bailees for hire) if induced to do so by any fraudulent scheme, trick, device or false pretense; l