Twenty-five years ago Jack and Kelly met. He can't forget. She can't remember. That's because it hasn't happened to her...yet. Kelly Reed leaves her tedious life in New York City to dive for a billion dollar sunken treasure in the Caribbean. During her first underwater exploration, she's caught in a time warp and transported back in time twenty-five years. A group of scientists rescue her; scientists that are studying the area because they believe the rapid movement of the underwater currents can cause time travel. She mistakenly lets them know what she's looking for and one of them becomes greedy. He wants her knowledge and kills a co-worker to get it. She escapes back to current time where she now finds several people have been anticipating her reappearance. One has grown from a boy to a man and has been waiting for her return to fulfill his boyhood fantasies of love. The others want the treasure and can't find it without her.