Tells the story of Sofia (Angie Cepeda), a Colombian college student struggling with immigration issues in LA, who accepts a $50,000 offer to rent her body and soul and become a surrogate mother to a wealthy couple.

When troubled teen boy Stevie (Cameron Van Hoy) and his girlfriend, Rocky (Mischa Barton), attempt to rob a bank without any forethought, the situation rapidly deteriorates. Soon the young couple is holding bank customers and employees hostage, while law enforcement gathers outside. Daniel Bender (Burt Reynolds), a veteran negotiator for the FBI, is charged with assessing the crime scene and ending the standoff as quickly as possible, but Stevie's short fuse considerably complicates matters.