The board's report also reveals that most of the information regarding Wells Fargo's culture—the fraudulent activities and the perverse incentives and procedures—were all known internally for years. The first event described in the report occurred 15 years ago: "In summer 2002, Internal Investigations determined that almost an entire branch in Colorado engaged in a form of 'gaming' in connection with a promotional campaign in the second quarter of 2002. Although most within Wells Fargo recall this incident as involving improper teller referral credits, it also involved employees issuing debit cards without customer consent."