Marissa struggles with attending a public high school, and her new friends make Ryan jealous; Charlotte's ruse is up when she learns that Kirsten did not inherit any money from Caleb; Julie's mansion is repossessed, leaving her with nothing; Taylor's power play dethrones Summer as commitee chairman, who then learns an interesting secret about her and Dean Hess.

Ryan decides to make a life-changing decision that Sandy reluctantly supports; Marissa looks to her new friends to help with her latest crisis with Ryan; Summer and Seth go on a mission to reveal a secret between Taylor and Dean Hess; Charlotte makes Julie an offer that she can't refuse.

Marissa discovers something in Johnny that Ryan lacks and Charlotte convinces Julie and Kirsten to throw a charity event. After discovering fake IDs in Charlotte's purse, Julie confronts her.

When the gang heads to The Bait Shop to see The Subways, Taylor's horsing around causes a major rift between Seth and Summer. Marissa, determined to end the potentially explosive rift between Ryan and Volchok, does whatever it takes to watch out for Ryan. Meanwhile, Matt, Sandy's Newport Group partner, goes above and beyond the call of duty when he learns he has to cut Newport Group staff.