Carolyn Marshall is a young woman of modest means liviing in a community of the mega-rich. During a weekend at the family home in Clear Water Cove, she rediscovers an old love and meets a handsome stranger.

Unaware the stranger has been hired by malicious gangsters to recover a lost treasure, she rents him her family's sailboat to aid in the recovery project, Innocently helping to participate in the dangerous dive operation, Carolyn finds herself in mortal danger. She must rely on two men with very different motivations to save her.