Charles Schine (Clive Owen), is a Chicago advertising executive, whose tale is being written down by an unidentified man in a prison cell. A flashback of several months shows Charles with his wife and teenage daughter. Charles's marriage is deteriorating, and his daughter suffers from diabetes, requiring expensive medication. On a commuter train, Charles encounters an alluring woman named Lucinda Harris (Jennifer Aniston). She is a married financial adviser. A mutual attraction develops, and the two begin meeting frequently. Ultimately, they decide to consummate their affair and wind up in a seedy hotel. An armed man— later identified as Philippe LaRoche (Vincent Cassel)— bursts into the hotel room, beats Charles, and brutally rapes Lucinda. Charles and Lucinda agree not to report the crime, as they do not want their spouses to learn of the affair. Shortly after, Charles is blackmailed by LaRoche, who threatens to kill his family if he doesn't pay $20,000, which Charles promptly pays. A month later, the attacker calls again, this time demanding $100,000.
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