Kevin Copeland (SHAWN WAYANS) and Marcus Copeland (MARLON WAYANS) are two well-intentioned FBI agents who bungle one task after another. As a result, while their rivals Agents Jake Harper (LOCHLYN MUNRO) and Vincent Gomez (EDDIE VELEZ) are assigned to investigate a kidnapping threat against spoiled socialites Brittany (MAITLAND WARD) and Tiffany Wilson (ANNE DUDEK), chief Elliot Gordon (FRANKIE FAISON) only has Kevin and Marcus escorting the women to a hotel in the Hamptons.
When they bungle that and the sisters receive minor facial abrasions that will prevent them from being seen in public, Marcus and Kevin realize they have only one choice. Despite being black, male and several years older, they will go undercover and pose as the white Wilson sisters.
The litmus test is when they meet the Wilson's fellow socialites, Karen (BUSY PHILIPPS), Lisa (JENNIFER CARPENTER) and Tori (JESSICA CAUFFIEL), but the three attribute the changes in appearance to cosmetic surgery. Of course, their archenemies, Heather (JAIME KING) and Megan Vandergeld (BRITTANY DANIEL) -- daughters of wealthy businessman Warren Vandergeld (JOHN HEARD) -- could care less how they look and are more interested in dissing them.
As Marcus and Kevin try to get used to their new personalities, Marcus must not only deal with his jealous wife, Gina (FAUNE CHAMBERS), thinking he's cheating on her, but he must also contend with the forward advances of pro athlete Latrell Spencer (TERRY CREWS) who's attracted to white women. Meanwhile, Kevin tries to impress Denise Porter (ROCHELLE AYTES), a reporter covering the social scene. While doing so, they hope to uncover and thwart the kidnapping plot and thus save their reputations and jobs.