A small resort town in northern California had a low crime rate until Vincent Tate showed up and bought an old estate just outside town. Vincent soon recruits two locals for a daring bank robbery. One of the locals buries the $5 million haul in a nearby forest, then refuses to reveal where he buried the cash. That begins a series of kidnappings, murders, and extortions. When a 13-year-old girl disappears, a friend contacts Jack Beckett for help. Beckett and O’Connor must unravel the mystery of the stolen money in order to find the girl. But when they get close, the mystery only deepens. In the end, it comes down to making a trade, the girl for the money. But even that does not go as planned.