CHAPTER 1There’s Something Happening Here



IT BEGAN with a text message from Lauren Duffy to her boss, Beth Charles. “We need to talk. Lunch today?” Beth studied the message on her cell phone and sighed. “We need to talk” seldom heralds good news.

Beth was at her desk in her small private office at Bernette-Online, the Internet division of the popular financial institution that opened its “brick and mortar” doors back in 1967 in suburban Denver, Colorado.

Bernette Financial was one of the first community banks to enter the online market. Named after its founders Bernard and Annette Ellsworth, Bernette got its start as a community bank, serving ...

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