Dan takes his marriage vows to Isabel seriously, however he is in love with his beautiful gardener Francie.

Dan convinces Francie to allow his friend, Simon to be his surrogate – to have sex with her while Dan watches and supervises. It’s a win-win. Dan stays faithful to his wife, and with Simon’s help, he can keep Francie satisfied until he gets the nerve to ask for a divorce.

Meanwhile, Dan’s wife, Isabel , is enjoying her own version of borderline fidelity with her massage therapist, Ellen . Bel can’t see the harm. After all, it's not proper sex if it's with another woman, is it? But Dan’s discovery of Ellen and Bel trysts strangely rekindles his passion for his wife. As sex with Bel gets kinkier and better, and sex between Francie and Simon gets ever more sizzling, Dan thinks he has the best of both worlds. But secrets don’t stay secret. Substitutes aren’t the real thing. And in the end there are no surrogates for matters of the heart