A small resort town in northern California has a very low crime rate until Vincent Tate shows up and buys an old estate just outside town. Vincent soon recruits two locals for a daring bank robbery. One of the locals buries the $5 million in a nearby forest, then refuses to tell Vincent 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. 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. It may come down to making a trade. The girl for the money.