Gina's visiting, self-serving mother, Bobbi, is little help when Gina learns that her trust fund isn't as large as she thought due to her mother stealing from it. Meanwhile, Kelly enlists Dylan's help for a trip to Mexico to help out Matt and Lauren to smuggle medicine for her into the country where Dylan and Kelly's romantic feelings for each other surface once again. But then Lauren thinks that her medication is not worth it and decides to re-commit herself back to the asylum in New York. Back in Los Angeles, Janet tells Steve that her father objects to her relationship with him since he is not Japanese. Also, Donna agrees to go out on a date with David as a distraction from her thoughts about Noah, who eventually learns about her and David's Valentines Day tryst from Gina.

Dylan looks for a strange man after he saves Dylan's life after a jet-ski accident. After finding out that Donna's mother is the one responsible for mismanaging her trust fund, Gina decides to sue Felice for $1.1 million. Meanwhile, Steve acquires a brothel madam's book of her clients to publish for the newspaper in which Matt finds valuable in order to blackmail the prosecutor for a case he is dealing. Kelly becomes torn over being with Dylan or Matt. Also, David advertises for a girlfriend on his radio show and one particular one, a young Hispanic girl named Claudia, responds.