 Adam Gardiner, the new local bank manager, informs Grace that he can no longer extend the loan to Drover s Run. At the same time, another struggling local farmer Jeff and his pregnant wife Brooke, are waiting with a shotgun for Adam Gardiner to visit them. But Grace and Kate get to Jeff s farm first and he takes them both hostage. Moria has visions of Adam being killed. Someone will indeed be shot by Jeff . . . but who?