Kathryn Bigelow's fourth action film follows FBI agent Johnny Utah (Keanu Reeves) as he goes undercover to infiltrate a cache of Southern California surfers suspected of robbing banks. Utah, a former football player, is assigned to Los Angeles. There, four bank robbers, who wear rubber masks and call themselves "Ex-Presidents," have executed a series of successful robberies which embarrassingly have the FBI stumped. Utah, and his partner Pappas (Gary Busey) suspect that the robbers are surfers and hatch a plan for catching them.