Penelope Fletcher was probably the nicest banker anyone's ever met. Unfortunately for her, it's not a cherished quality in her company. With one last chance to save her career, Penelope is sent to Ridgewell Falls, Virginia to ensure the buyout of the small town's bank goes off without a hitch. With so many loopholes and poor business practices, a more ruthless business person would salivate, but Penelope gets sick just thinking about the town's vulnerability. The help of a few locals along with a dashingly handsome diner server brings out the best in Penelope's professionalism. Will it be too little too late? Penelope must fight an uphill battle to defy her corporate juggernaut of an employer, tame her money-hungry ex-boyfriend who's out for her job, and calm the raging waters of love flowing through her heart. It's one thing to fall in love with the town, but Penelope's heart is falling for so much more in Ridgewell.