After staking everything on buying their dream home, John and Susan Carter find themselves in deep financial trouble. All appears to be lost until a mysterious Swiss Banker, Emil Sarotzini, offers to save both John’s business and their house – but at a price. In return for saving them financially, Mr. Sarotzini asks that Susan be a surrogate mother for the baby his wife is unable to have.
After agreeing to the terms, decidedly sinister events occur, with terrifying consequences for all of them.
It soon becomes apparent that Mr. Sarotzini is not quite what he seems, nor is the baby.