Kate's world is turned upside down when she discovers the full extent of Rick's betrayal. Desperate to save the family business, Kate forms a prickly alliance with rival Matt Sloane. Chad discovers the thrill of the chase as he tracks down a beautiful but elusive scammer.

Rick returns to the business, only to discover Matt has taken his place. Kate and Matt work together to investigate the deaths of a couple in a car accident, and Kate ignores Lily's advice to tell her parents the truth about their financial situation.

Kate and Matt are unexpectedly thrown together on an out-of-town surveillance job while Rick is forced to face the music regarding his investment.