After a party, David Hargrove gives a ride home to his colleagues Emily Brandt and Corey Thompson. Corey decides to have dinner and they go to an isolated ATM. Soon they are threatened by an unknown man and they become trapped in the ATM trying to survive.

When lives intertwine during Christmas, hope is the only unifying gift. After suffering a personal tragedy, a social worker throws herself into finding homes for children in need.

Alberta, a mousy young woman with the survival skills of a snail, loses cash that isn't hers, so she runs from her small town to Seattle where her old babysitter, Celene, lives - a dominatrix with a classy apartment and a life plan. She lets Alberta stay. Alberta gets a job as a checker at a supermarket and becomes fascinated with Celene's work. While vamping in one of Celene's costumes, Alberta ruins it; to make the money to pay Celene back, Alberta contacts Paul, who's sent Celene a tape asking to be a client. Alberta poses as Celene, fitfully playing the part when thugs burst into Paul's apartment looking for $500,000 he stole. Alberta is over her head. Is there any way out?