The next issue for you to decide on Plaintiff’s claim for negligent misrepresentation are:
First, whether Defendant made a statement concerning a material fact that it believed to be true but which was in fact false;
Second, whether Defendant was negligent in making the statement because it should have known the statement was false;
Third, whether in making the statement, Defendant intended or expected that Plaintiff would rely on the statement;
Fourth, whether Plaintiff justifiably relied on the false statement; and, if so,
Misrepresentation of a material fact is a legal cause of loss or damage if it directly and in natural and continuous sequence produces or contributes substantially to producing such loss injury or damage, so that it can reasonably be said that, but for the misrepresentation, the loss or damage would not have occurred.